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$42,533
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,856
−HK$1,344/mo
Today · 4.125%
HK$45,200
baseline
▲ 0.50% · 4.625%
HK$47,950
+HK$2,750/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,400/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,317
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,586
−HK$1,288/mo
Today · 4.125%
HK$49,874
baseline
▲ 0.50% · 4.625%
HK$52,503
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,748/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,039
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,627
−HK$1,613/mo
Today · 4.125%
HK$54,240
baseline
▲ 0.50% · 4.625%
HK$57,540
+HK$3,300/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,480/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,781
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,304
−HK$1,544/mo
Today · 4.125%
HK$59,848
baseline
▲ 0.50% · 4.625%
HK$63,003
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,696/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,546
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,398
−HK$1,882/mo
Today · 4.125%
HK$63,280
baseline
▲ 0.50% · 4.625%
HK$67,130
+HK$3,850/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,560/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,244
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,021
−HK$1,802/mo
Today · 4.125%
HK$69,823
baseline
▲ 0.50% · 4.625%
HK$73,504
+HK$3,681/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,646/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,559
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,940
−HK$2,420/mo
Today · 4.125%
HK$81,360
baseline
▲ 0.50% · 4.625%
HK$86,310
+HK$4,950/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,720/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,171
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,455
−HK$2,318/mo
Today · 4.125%
HK$89,773
baseline
▲ 0.50% · 4.625%
HK$94,505
+HK$4,732/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,546/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,474 · Scale 2, in force from 26 Feb 2026)