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$42,491
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,813
−HK$1,343/mo
Today · 4.125%
HK$45,156
baseline
▲ 0.50% · 4.625%
HK$47,903
+HK$2,747/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,312/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,271
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,539
−HK$1,286/mo
Today · 4.125%
HK$49,825
baseline
▲ 0.50% · 4.625%
HK$52,451
+HK$2,626/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,650/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,989
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,575
−HK$1,612/mo
Today · 4.125%
HK$54,187
baseline
▲ 0.50% · 4.625%
HK$57,484
+HK$3,297/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,374/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,725
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,246
−HK$1,544/mo
Today · 4.125%
HK$59,790
baseline
▲ 0.50% · 4.625%
HK$62,941
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,580/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,487
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,338
−HK$1,880/mo
Today · 4.125%
HK$63,218
baseline
▲ 0.50% · 4.625%
HK$67,064
+HK$3,846/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,436/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,179
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,954
−HK$1,801/mo
Today · 4.125%
HK$69,755
baseline
▲ 0.50% · 4.625%
HK$73,431
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,510/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,484
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,863
−HK$2,417/mo
Today · 4.125%
HK$81,280
baseline
▲ 0.50% · 4.625%
HK$86,226
+HK$4,946/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,560/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,087
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,369
−HK$2,315/mo
Today · 4.125%
HK$89,684
baseline
▲ 0.50% · 4.625%
HK$94,412
+HK$4,728/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,368/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,787 · Scale 2, in force from 26 Feb 2026)