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$42,542
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,865
−HK$1,345/mo
Today · 4.125%
HK$45,210
baseline
▲ 0.50% · 4.625%
HK$47,961
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,420/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,328
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,597
−HK$1,288/mo
Today · 4.125%
HK$49,885
baseline
▲ 0.50% · 4.625%
HK$52,514
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,770/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,050
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,638
−HK$1,614/mo
Today · 4.125%
HK$54,252
baseline
▲ 0.50% · 4.625%
HK$57,553
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,504/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,793
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,316
−HK$1,545/mo
Today · 4.125%
HK$59,861
baseline
▲ 0.50% · 4.625%
HK$63,017
+HK$3,156/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,722/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,559
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,411
−HK$1,883/mo
Today · 4.125%
HK$63,294
baseline
▲ 0.50% · 4.625%
HK$67,145
+HK$3,851/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,588/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,259
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,036
−HK$1,802/mo
Today · 4.125%
HK$69,838
baseline
▲ 0.50% · 4.625%
HK$73,520
+HK$3,682/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,676/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,576
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,958
−HK$2,420/mo
Today · 4.125%
HK$81,378
baseline
▲ 0.50% · 4.625%
HK$86,329
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,756/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,190
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,474
−HK$2,318/mo
Today · 4.125%
HK$89,792
baseline
▲ 0.50% · 4.625%
HK$94,525
+HK$4,733/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,584/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,626 · Scale 2, in force from 26 Feb 2026)