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$42,539
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,862
−HK$1,344/mo
Today · 4.125%
HK$45,206
baseline
▲ 0.50% · 4.625%
HK$47,957
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,412/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,324
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,593
−HK$1,288/mo
Today · 4.125%
HK$49,881
baseline
▲ 0.50% · 4.625%
HK$52,510
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,762/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,047
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,635
−HK$1,613/mo
Today · 4.125%
HK$54,248
baseline
▲ 0.50% · 4.625%
HK$57,549
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,496/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,789
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,312
−HK$1,545/mo
Today · 4.125%
HK$59,857
baseline
▲ 0.50% · 4.625%
HK$63,012
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,714/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,554
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,407
−HK$1,882/mo
Today · 4.125%
HK$63,289
baseline
▲ 0.50% · 4.625%
HK$67,140
+HK$3,851/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,578/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,254
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,031
−HK$1,802/mo
Today · 4.125%
HK$69,833
baseline
▲ 0.50% · 4.625%
HK$73,514
+HK$3,681/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,666/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,570
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,952
−HK$2,420/mo
Today · 4.125%
HK$81,372
baseline
▲ 0.50% · 4.625%
HK$86,323
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,744/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,183
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,468
−HK$2,318/mo
Today · 4.125%
HK$89,786
baseline
▲ 0.50% · 4.625%
HK$94,518
+HK$4,732/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,572/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,575 · Scale 2, in force from 26 Feb 2026)