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$42,553
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,876
−HK$1,345/mo
Today · 4.125%
HK$45,221
baseline
▲ 0.50% · 4.625%
HK$47,973
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,442/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,339
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,609
−HK$1,288/mo
Today · 4.125%
HK$49,897
baseline
▲ 0.50% · 4.625%
HK$52,527
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,794/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,063
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,651
−HK$1,614/mo
Today · 4.125%
HK$54,265
baseline
▲ 0.50% · 4.625%
HK$57,567
+HK$3,302/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$108,530/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,807
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,331
−HK$1,545/mo
Today · 4.125%
HK$59,876
baseline
▲ 0.50% · 4.625%
HK$63,032
+HK$3,156/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$119,752/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,574
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,427
−HK$1,882/mo
Today · 4.125%
HK$63,309
baseline
▲ 0.50% · 4.625%
HK$67,162
+HK$3,853/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,618/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,275
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,052
−HK$1,804/mo
Today · 4.125%
HK$69,856
baseline
▲ 0.50% · 4.625%
HK$73,538
+HK$3,682/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,712/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,595
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,977
−HK$2,421/mo
Today · 4.125%
HK$81,398
baseline
▲ 0.50% · 4.625%
HK$86,351
+HK$4,953/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,796/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,211
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,496
−HK$2,318/mo
Today · 4.125%
HK$89,814
baseline
▲ 0.50% · 4.625%
HK$94,549
+HK$4,735/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,628/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,799 · Scale 2, in force from 26 Feb 2026)