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$42,536
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,859
−HK$1,345/mo
Today · 4.125%
HK$45,204
baseline
▲ 0.50% · 4.625%
HK$47,954
+HK$2,750/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,408/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,321
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,590
−HK$1,288/mo
Today · 4.125%
HK$49,878
baseline
▲ 0.50% · 4.625%
HK$52,507
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,756/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,043
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,631
−HK$1,613/mo
Today · 4.125%
HK$54,244
baseline
▲ 0.50% · 4.625%
HK$57,545
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,488/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,785
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,308
−HK$1,545/mo
Today · 4.125%
HK$59,853
baseline
▲ 0.50% · 4.625%
HK$63,008
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,706/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,551
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,403
−HK$1,882/mo
Today · 4.125%
HK$63,285
baseline
▲ 0.50% · 4.625%
HK$67,136
+HK$3,851/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,570/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,250
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,026
−HK$1,803/mo
Today · 4.125%
HK$69,829
baseline
▲ 0.50% · 4.625%
HK$73,510
+HK$3,681/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,658/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,565
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,947
−HK$2,419/mo
Today · 4.125%
HK$81,366
baseline
▲ 0.50% · 4.625%
HK$86,317
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,732/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,178
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,462
−HK$2,318/mo
Today · 4.125%
HK$89,780
baseline
▲ 0.50% · 4.625%
HK$94,512
+HK$4,732/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,560/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,530 · Scale 2, in force from 26 Feb 2026)