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$42,553
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,877
−HK$1,344/mo
Today · 4.125%
HK$45,221
baseline
▲ 0.50% · 4.625%
HK$47,973
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,442/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,340
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,609
−HK$1,288/mo
Today · 4.125%
HK$49,897
baseline
▲ 0.50% · 4.625%
HK$52,527
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,794/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,063
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,652
−HK$1,614/mo
Today · 4.125%
HK$54,266
baseline
▲ 0.50% · 4.625%
HK$57,568
+HK$3,302/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$108,532/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,808
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,331
−HK$1,546/mo
Today · 4.125%
HK$59,877
baseline
▲ 0.50% · 4.625%
HK$63,033
+HK$3,156/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$119,754/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,574
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,427
−HK$1,883/mo
Today · 4.125%
HK$63,310
baseline
▲ 0.50% · 4.625%
HK$67,162
+HK$3,852/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,620/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,276
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,053
−HK$1,803/mo
Today · 4.125%
HK$69,856
baseline
▲ 0.50% · 4.625%
HK$73,538
+HK$3,682/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,712/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,595
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,978
−HK$2,420/mo
Today · 4.125%
HK$81,398
baseline
▲ 0.50% · 4.625%
HK$86,351
+HK$4,953/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,796/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,211
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,497
−HK$2,318/mo
Today · 4.125%
HK$89,815
baseline
▲ 0.50% · 4.625%
HK$94,549
+HK$4,734/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,630/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,805 · Scale 2, in force from 26 Feb 2026)