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$42,388
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,707
−HK$1,339/mo
Today · 4.125%
HK$45,046
baseline
▲ 0.50% · 4.625%
HK$47,787
+HK$2,741/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,092/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,156
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,421
−HK$1,283/mo
Today · 4.125%
HK$49,704
baseline
▲ 0.50% · 4.625%
HK$52,324
+HK$2,620/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,408/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,866
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,448
−HK$1,608/mo
Today · 4.125%
HK$54,056
baseline
▲ 0.50% · 4.625%
HK$57,345
+HK$3,289/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$108,112/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,588
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,105
−HK$1,540/mo
Today · 4.125%
HK$59,645
baseline
▲ 0.50% · 4.625%
HK$62,789
+HK$3,144/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$119,290/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,343
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,189
−HK$1,876/mo
Today · 4.125%
HK$63,065
baseline
▲ 0.50% · 4.625%
HK$66,902
+HK$3,837/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,130/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,019
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,790
−HK$1,796/mo
Today · 4.125%
HK$69,586
baseline
▲ 0.50% · 4.625%
HK$73,254
+HK$3,668/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,172/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,299
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,672
−HK$2,411/mo
Today · 4.125%
HK$81,083
baseline
▲ 0.50% · 4.625%
HK$86,017
+HK$4,934/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,166/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,881
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,158
−HK$2,309/mo
Today · 4.125%
HK$89,467
baseline
▲ 0.50% · 4.625%
HK$94,183
+HK$4,716/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,934/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,095 · Scale 2, in force from 26 Feb 2026)