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$42,443
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,763
−HK$1,341/mo
Today · 4.125%
HK$45,104
baseline
▲ 0.50% · 4.625%
HK$47,849
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,208/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,217
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,483
−HK$1,285/mo
Today · 4.125%
HK$49,768
baseline
▲ 0.50% · 4.625%
HK$52,391
+HK$2,623/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,536/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,931
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,515
−HK$1,610/mo
Today · 4.125%
HK$54,125
baseline
▲ 0.50% · 4.625%
HK$57,418
+HK$3,293/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,250/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,660
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,180
−HK$1,542/mo
Today · 4.125%
HK$59,722
baseline
▲ 0.50% · 4.625%
HK$62,870
+HK$3,148/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,444/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,420
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,268
−HK$1,878/mo
Today · 4.125%
HK$63,146
baseline
▲ 0.50% · 4.625%
HK$66,988
+HK$3,842/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,292/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,104
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,877
−HK$1,798/mo
Today · 4.125%
HK$69,675
baseline
▲ 0.50% · 4.625%
HK$73,348
+HK$3,673/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,350/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,397
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,773
−HK$2,414/mo
Today · 4.125%
HK$81,187
baseline
▲ 0.50% · 4.625%
HK$86,128
+HK$4,941/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,374/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,991
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,270
−HK$2,312/mo
Today · 4.125%
HK$89,582
baseline
▲ 0.50% · 4.625%
HK$94,304
+HK$4,722/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,164/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,991 · Scale 2, in force from 26 Feb 2026)