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$42,515
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,837
−HK$1,344/mo
Today · 4.125%
HK$45,181
baseline
▲ 0.50% · 4.625%
HK$47,930
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,362/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,297
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,566
−HK$1,287/mo
Today · 4.125%
HK$49,853
baseline
▲ 0.50% · 4.625%
HK$52,480
+HK$2,627/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,706/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,018
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,605
−HK$1,612/mo
Today · 4.125%
HK$54,217
baseline
▲ 0.50% · 4.625%
HK$57,516
+HK$3,299/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,434/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,757
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,279
−HK$1,544/mo
Today · 4.125%
HK$59,823
baseline
▲ 0.50% · 4.625%
HK$62,976
+HK$3,153/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,646/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,521
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,372
−HK$1,881/mo
Today · 4.125%
HK$63,253
baseline
▲ 0.50% · 4.625%
HK$67,102
+HK$3,849/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,506/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,216
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,992
−HK$1,802/mo
Today · 4.125%
HK$69,794
baseline
▲ 0.50% · 4.625%
HK$73,473
+HK$3,679/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,588/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,527
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,907
−HK$2,419/mo
Today · 4.125%
HK$81,326
baseline
▲ 0.50% · 4.625%
HK$86,274
+HK$4,948/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,652/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,135
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,418
−HK$2,317/mo
Today · 4.125%
HK$89,735
baseline
▲ 0.50% · 4.625%
HK$94,465
+HK$4,730/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,470/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,178 · Scale 2, in force from 26 Feb 2026)