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$42,455
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,776
−HK$1,341/mo
Today · 4.125%
HK$45,117
baseline
▲ 0.50% · 4.625%
HK$47,863
+HK$2,746/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,234/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,231
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,498
−HK$1,285/mo
Today · 4.125%
HK$49,783
baseline
▲ 0.50% · 4.625%
HK$52,407
+HK$2,624/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,566/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,946
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,531
−HK$1,610/mo
Today · 4.125%
HK$54,141
baseline
▲ 0.50% · 4.625%
HK$57,435
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,282/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,677
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,197
−HK$1,542/mo
Today · 4.125%
HK$59,739
baseline
▲ 0.50% · 4.625%
HK$62,888
+HK$3,149/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,478/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,437
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,286
−HK$1,878/mo
Today · 4.125%
HK$63,164
baseline
▲ 0.50% · 4.625%
HK$67,008
+HK$3,844/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$126,328/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,123
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,897
−HK$1,799/mo
Today · 4.125%
HK$69,696
baseline
▲ 0.50% · 4.625%
HK$73,369
+HK$3,673/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$139,392/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,419
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,796
−HK$2,415/mo
Today · 4.125%
HK$81,211
baseline
▲ 0.50% · 4.625%
HK$86,153
+HK$4,942/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,422/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,016
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,296
−HK$2,313/mo
Today · 4.125%
HK$89,609
baseline
▲ 0.50% · 4.625%
HK$94,332
+HK$4,723/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,218/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,197 · Scale 2, in force from 26 Feb 2026)