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$42,554
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,877
−HK$1,345/mo
Today · 4.125%
HK$45,222
baseline
▲ 0.50% · 4.625%
HK$47,974
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,444/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,340
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,610
−HK$1,288/mo
Today · 4.125%
HK$49,898
baseline
▲ 0.50% · 4.625%
HK$52,528
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,796/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,064
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,653
−HK$1,614/mo
Today · 4.125%
HK$54,267
baseline
▲ 0.50% · 4.625%
HK$57,569
+HK$3,302/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$108,534/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,809
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,332
−HK$1,546/mo
Today · 4.125%
HK$59,878
baseline
▲ 0.50% · 4.625%
HK$63,034
+HK$3,156/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$119,756/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,575
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,428
−HK$1,883/mo
Today · 4.125%
HK$63,311
baseline
▲ 0.50% · 4.625%
HK$67,163
+HK$3,852/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,622/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,277
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,054
−HK$1,803/mo
Today · 4.125%
HK$69,857
baseline
▲ 0.50% · 4.625%
HK$73,540
+HK$3,683/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,714/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,597
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,979
−HK$2,421/mo
Today · 4.125%
HK$81,400
baseline
▲ 0.50% · 4.625%
HK$86,353
+HK$4,953/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,800/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,213
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,498
−HK$2,319/mo
Today · 4.125%
HK$89,817
baseline
▲ 0.50% · 4.625%
HK$94,551
+HK$4,734/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,634/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,817 · Scale 2, in force from 26 Feb 2026)