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$42,484
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,806
−HK$1,343/mo
Today · 4.125%
HK$45,149
baseline
▲ 0.50% · 4.625%
HK$47,896
+HK$2,747/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,298/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,264
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,531
−HK$1,286/mo
Today · 4.125%
HK$49,817
baseline
▲ 0.50% · 4.625%
HK$52,443
+HK$2,626/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,634/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,981
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,567
−HK$1,611/mo
Today · 4.125%
HK$54,178
baseline
▲ 0.50% · 4.625%
HK$57,475
+HK$3,297/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,356/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,716
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,237
−HK$1,543/mo
Today · 4.125%
HK$59,780
baseline
▲ 0.50% · 4.625%
HK$62,932
+HK$3,152/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,560/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,478
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,328
−HK$1,880/mo
Today · 4.125%
HK$63,208
baseline
▲ 0.50% · 4.625%
HK$67,054
+HK$3,846/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,416/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,169
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,944
−HK$1,800/mo
Today · 4.125%
HK$69,744
baseline
▲ 0.50% · 4.625%
HK$73,420
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,488/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,472
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,851
−HK$2,417/mo
Today · 4.125%
HK$81,268
baseline
▲ 0.50% · 4.625%
HK$86,213
+HK$4,945/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,536/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,074
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,356
−HK$2,315/mo
Today · 4.125%
HK$89,671
baseline
▲ 0.50% · 4.625%
HK$94,397
+HK$4,726/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,342/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,680 · Scale 2, in force from 26 Feb 2026)