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$42,546
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,869
−HK$1,345/mo
Today · 4.125%
HK$45,214
baseline
▲ 0.50% · 4.625%
HK$47,965
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,428/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,332
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,601
−HK$1,288/mo
Today · 4.125%
HK$49,889
baseline
▲ 0.50% · 4.625%
HK$52,519
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,778/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,055
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,643
−HK$1,613/mo
Today · 4.125%
HK$54,256
baseline
▲ 0.50% · 4.625%
HK$57,558
+HK$3,302/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,512/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,798
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,321
−HK$1,546/mo
Today · 4.125%
HK$59,867
baseline
▲ 0.50% · 4.625%
HK$63,022
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,734/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,564
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,417
−HK$1,882/mo
Today · 4.125%
HK$63,299
baseline
▲ 0.50% · 4.625%
HK$67,151
+HK$3,852/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,598/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,264
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,041
−HK$1,803/mo
Today · 4.125%
HK$69,844
baseline
▲ 0.50% · 4.625%
HK$73,526
+HK$3,682/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,688/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,582
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,964
−HK$2,421/mo
Today · 4.125%
HK$81,385
baseline
▲ 0.50% · 4.625%
HK$86,337
+HK$4,952/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,770/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,197
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,482
−HK$2,318/mo
Today · 4.125%
HK$89,800
baseline
▲ 0.50% · 4.625%
HK$94,533
+HK$4,733/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,600/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,687 · Scale 2, in force from 26 Feb 2026)