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$42,543
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,866
−HK$1,345/mo
Today · 4.125%
HK$45,211
baseline
▲ 0.50% · 4.625%
HK$47,962
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,422/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,329
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,598
−HK$1,288/mo
Today · 4.125%
HK$49,886
baseline
▲ 0.50% · 4.625%
HK$52,515
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,772/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,052
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,640
−HK$1,613/mo
Today · 4.125%
HK$54,253
baseline
▲ 0.50% · 4.625%
HK$57,554
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,506/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,794
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,318
−HK$1,545/mo
Today · 4.125%
HK$59,863
baseline
▲ 0.50% · 4.625%
HK$63,018
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,726/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,560
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,413
−HK$1,882/mo
Today · 4.125%
HK$63,295
baseline
▲ 0.50% · 4.625%
HK$67,147
+HK$3,852/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,590/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,260
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,037
−HK$1,803/mo
Today · 4.125%
HK$69,840
baseline
▲ 0.50% · 4.625%
HK$73,521
+HK$3,681/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,680/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,577
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,959
−HK$2,421/mo
Today · 4.125%
HK$81,380
baseline
▲ 0.50% · 4.625%
HK$86,331
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,760/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,192
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,476
−HK$2,318/mo
Today · 4.125%
HK$89,794
baseline
▲ 0.50% · 4.625%
HK$94,527
+HK$4,733/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,588/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,643 · Scale 2, in force from 26 Feb 2026)