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$42,449
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,770
−HK$1,341/mo
Today · 4.125%
HK$45,111
baseline
▲ 0.50% · 4.625%
HK$47,856
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,222/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,224
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,491
−HK$1,285/mo
Today · 4.125%
HK$49,776
baseline
▲ 0.50% · 4.625%
HK$52,399
+HK$2,623/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,552/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,939
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,523
−HK$1,610/mo
Today · 4.125%
HK$54,133
baseline
▲ 0.50% · 4.625%
HK$57,427
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,266/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$698,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,669
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,189
−HK$1,542/mo
Today · 4.125%
HK$59,731
baseline
▲ 0.50% · 4.625%
HK$62,879
+HK$3,148/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,462/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$698,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,429
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,277
−HK$1,878/mo
Today · 4.125%
HK$63,155
baseline
▲ 0.50% · 4.625%
HK$66,998
+HK$3,843/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,310/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,114
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,887
−HK$1,799/mo
Today · 4.125%
HK$69,686
baseline
▲ 0.50% · 4.625%
HK$73,359
+HK$3,673/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,372/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,408
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,785
−HK$2,415/mo
Today · 4.125%
HK$81,200
baseline
▲ 0.50% · 4.625%
HK$86,141
+HK$4,941/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,400/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,004
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,283
−HK$2,313/mo
Today · 4.125%
HK$89,596
baseline
▲ 0.50% · 4.625%
HK$94,319
+HK$4,723/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,192/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,099 · Scale 2, in force from 26 Feb 2026)