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$42,447
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,767
−HK$1,341/mo
Today · 4.125%
HK$45,108
baseline
▲ 0.50% · 4.625%
HK$47,853
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,216/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,221
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,488
−HK$1,285/mo
Today · 4.125%
HK$49,773
baseline
▲ 0.50% · 4.625%
HK$52,396
+HK$2,623/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,546/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,936
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,520
−HK$1,610/mo
Today · 4.125%
HK$54,130
baseline
▲ 0.50% · 4.625%
HK$57,424
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,260/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$698,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,666
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,185
−HK$1,542/mo
Today · 4.125%
HK$59,727
baseline
▲ 0.50% · 4.625%
HK$62,875
+HK$3,148/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,454/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$698,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,425
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,274
−HK$1,878/mo
Today · 4.125%
HK$63,152
baseline
▲ 0.50% · 4.625%
HK$66,994
+HK$3,842/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,304/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,110
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,883
−HK$1,799/mo
Today · 4.125%
HK$69,682
baseline
▲ 0.50% · 4.625%
HK$73,355
+HK$3,673/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,364/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,404
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,780
−HK$2,415/mo
Today · 4.125%
HK$81,195
baseline
▲ 0.50% · 4.625%
HK$86,135
+HK$4,940/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,390/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,998
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,278
−HK$2,313/mo
Today · 4.125%
HK$89,591
baseline
▲ 0.50% · 4.625%
HK$94,313
+HK$4,722/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,182/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,055 · Scale 2, in force from 26 Feb 2026)