The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,533
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,856
−HK$1,344/mo
Today · 4.125%
HK$45,200
baseline
▲ 0.50% · 4.625%
HK$47,951
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,400/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,318
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,587
−HK$1,287/mo
Today · 4.125%
HK$49,874
baseline
▲ 0.50% · 4.625%
HK$52,503
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,748/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,040
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,628
−HK$1,613/mo
Today · 4.125%
HK$54,241
baseline
▲ 0.50% · 4.625%
HK$57,541
+HK$3,300/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,482/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,781
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,304
−HK$1,545/mo
Today · 4.125%
HK$59,849
baseline
▲ 0.50% · 4.625%
HK$63,004
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,698/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,547
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,399
−HK$1,882/mo
Today · 4.125%
HK$63,281
baseline
▲ 0.50% · 4.625%
HK$67,131
+HK$3,850/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,562/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,245
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,022
−HK$1,802/mo
Today · 4.125%
HK$69,824
baseline
▲ 0.50% · 4.625%
HK$73,505
+HK$3,681/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,648/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,560
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,941
−HK$2,420/mo
Today · 4.125%
HK$81,361
baseline
▲ 0.50% · 4.625%
HK$86,312
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,722/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,172
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,456
−HK$2,318/mo
Today · 4.125%
HK$89,774
baseline
▲ 0.50% · 4.625%
HK$94,506
+HK$4,732/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,548/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,482 · Scale 2, in force from 26 Feb 2026)