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$42,535
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,858
−HK$1,344/mo
Today · 4.125%
HK$45,202
baseline
▲ 0.50% · 4.625%
HK$47,953
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,404/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,320
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,589
−HK$1,287/mo
Today · 4.125%
HK$49,876
baseline
▲ 0.50% · 4.625%
HK$52,505
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,752/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,042
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,630
−HK$1,613/mo
Today · 4.125%
HK$54,243
baseline
▲ 0.50% · 4.625%
HK$57,543
+HK$3,300/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,486/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,784
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,306
−HK$1,545/mo
Today · 4.125%
HK$59,851
baseline
▲ 0.50% · 4.625%
HK$63,006
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,702/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,549
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,401
−HK$1,882/mo
Today · 4.125%
HK$63,283
baseline
▲ 0.50% · 4.625%
HK$67,134
+HK$3,851/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,566/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,247
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,024
−HK$1,803/mo
Today · 4.125%
HK$69,827
baseline
▲ 0.50% · 4.625%
HK$73,507
+HK$3,680/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,654/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,563
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,944
−HK$2,420/mo
Today · 4.125%
HK$81,364
baseline
▲ 0.50% · 4.625%
HK$86,315
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,728/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,175
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,460
−HK$2,317/mo
Today · 4.125%
HK$89,777
baseline
▲ 0.50% · 4.625%
HK$94,509
+HK$4,732/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,554/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,508 · Scale 2, in force from 26 Feb 2026)