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$42,493
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,814
−HK$1,343/mo
Today · 4.125%
HK$45,157
baseline
▲ 0.50% · 4.625%
HK$47,905
+HK$2,748/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,314/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,273
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,540
−HK$1,286/mo
Today · 4.125%
HK$49,826
baseline
▲ 0.50% · 4.625%
HK$52,453
+HK$2,627/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,652/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,991
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,577
−HK$1,612/mo
Today · 4.125%
HK$54,189
baseline
▲ 0.50% · 4.625%
HK$57,486
+HK$3,297/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,378/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,727
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,248
−HK$1,544/mo
Today · 4.125%
HK$59,792
baseline
▲ 0.50% · 4.625%
HK$62,943
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,584/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,490
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,340
−HK$1,880/mo
Today · 4.125%
HK$63,220
baseline
▲ 0.50% · 4.625%
HK$67,067
+HK$3,847/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,440/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,182
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,956
−HK$1,801/mo
Today · 4.125%
HK$69,757
baseline
▲ 0.50% · 4.625%
HK$73,434
+HK$3,677/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,514/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,487
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,866
−HK$2,417/mo
Today · 4.125%
HK$81,283
baseline
▲ 0.50% · 4.625%
HK$86,229
+HK$4,946/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,566/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,091
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,373
−HK$2,315/mo
Today · 4.125%
HK$89,688
baseline
▲ 0.50% · 4.625%
HK$94,415
+HK$4,727/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,376/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,812 · Scale 2, in force from 26 Feb 2026)