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$42,448
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,768
−HK$1,341/mo
Today · 4.125%
HK$45,109
baseline
▲ 0.50% · 4.625%
HK$47,854
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,218/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,222
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,489
−HK$1,285/mo
Today · 4.125%
HK$49,774
baseline
▲ 0.50% · 4.625%
HK$52,397
+HK$2,623/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,548/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,937
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,521
−HK$1,610/mo
Today · 4.125%
HK$54,131
baseline
▲ 0.50% · 4.625%
HK$57,425
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,262/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$698,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,667
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,187
−HK$1,542/mo
Today · 4.125%
HK$59,729
baseline
▲ 0.50% · 4.625%
HK$62,877
+HK$3,148/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,458/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$698,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,427
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,275
−HK$1,878/mo
Today · 4.125%
HK$63,153
baseline
▲ 0.50% · 4.625%
HK$66,996
+HK$3,843/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,306/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,111
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,885
−HK$1,798/mo
Today · 4.125%
HK$69,683
baseline
▲ 0.50% · 4.625%
HK$73,356
+HK$3,673/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,366/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,406
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,782
−HK$2,415/mo
Today · 4.125%
HK$81,197
baseline
▲ 0.50% · 4.625%
HK$86,138
+HK$4,941/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,394/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,000
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,280
−HK$2,313/mo
Today · 4.125%
HK$89,593
baseline
▲ 0.50% · 4.625%
HK$94,315
+HK$4,722/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,186/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,072 · Scale 2, in force from 26 Feb 2026)