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$42,467
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,788
−HK$1,342/mo
Today · 4.125%
HK$45,130
baseline
▲ 0.50% · 4.625%
HK$47,876
+HK$2,746/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,260/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,244
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,511
−HK$1,285/mo
Today · 4.125%
HK$49,796
baseline
▲ 0.50% · 4.625%
HK$52,421
+HK$2,625/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,592/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,960
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,545
−HK$1,611/mo
Today · 4.125%
HK$54,156
baseline
▲ 0.50% · 4.625%
HK$57,451
+HK$3,295/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,312/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,692
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,213
−HK$1,542/mo
Today · 4.125%
HK$59,755
baseline
▲ 0.50% · 4.625%
HK$62,905
+HK$3,150/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,510/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,453
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,303
−HK$1,879/mo
Today · 4.125%
HK$63,182
baseline
▲ 0.50% · 4.625%
HK$67,026
+HK$3,844/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,364/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,141
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,915
−HK$1,800/mo
Today · 4.125%
HK$69,715
baseline
▲ 0.50% · 4.625%
HK$73,389
+HK$3,674/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,430/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,440
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,818
−HK$2,415/mo
Today · 4.125%
HK$81,233
baseline
▲ 0.50% · 4.625%
HK$86,176
+HK$4,943/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,466/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,039
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,319
−HK$2,314/mo
Today · 4.125%
HK$89,633
baseline
▲ 0.50% · 4.625%
HK$94,358
+HK$4,725/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,266/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,386 · Scale 2, in force from 26 Feb 2026)