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$42,384
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,703
−HK$1,339/mo
Today · 4.125%
HK$45,042
baseline
▲ 0.50% · 4.625%
HK$47,783
+HK$2,741/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,084/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,152
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,417
−HK$1,283/mo
Today · 4.125%
HK$49,700
baseline
▲ 0.50% · 4.625%
HK$52,319
+HK$2,619/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,400/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,861
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,443
−HK$1,608/mo
Today · 4.125%
HK$54,051
baseline
▲ 0.50% · 4.625%
HK$57,339
+HK$3,288/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,102/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,582
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,100
−HK$1,539/mo
Today · 4.125%
HK$59,639
baseline
▲ 0.50% · 4.625%
HK$62,783
+HK$3,144/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,278/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,338
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,184
−HK$1,875/mo
Today · 4.125%
HK$63,059
baseline
▲ 0.50% · 4.625%
HK$66,896
+HK$3,837/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,118/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,013
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,783
−HK$1,796/mo
Today · 4.125%
HK$69,579
baseline
▲ 0.50% · 4.625%
HK$73,247
+HK$3,668/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,158/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,292
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,665
−HK$2,411/mo
Today · 4.125%
HK$81,076
baseline
▲ 0.50% · 4.625%
HK$86,009
+HK$4,933/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,152/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,874
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,150
−HK$2,309/mo
Today · 4.125%
HK$89,459
baseline
▲ 0.50% · 4.625%
HK$94,175
+HK$4,716/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,918/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,031 · Scale 2, in force from 26 Feb 2026)