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$42,348
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,665
−HK$1,339/mo
Today · 4.125%
HK$45,004
baseline
▲ 0.50% · 4.625%
HK$47,742
+HK$2,738/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,008/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,112
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,375
−HK$1,282/mo
Today · 4.125%
HK$49,657
baseline
▲ 0.50% · 4.625%
HK$52,275
+HK$2,618/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,314/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,818
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,398
−HK$1,606/mo
Today · 4.125%
HK$54,004
baseline
▲ 0.50% · 4.625%
HK$57,290
+HK$3,286/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$108,008/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,534
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,050
−HK$1,539/mo
Today · 4.125%
HK$59,589
baseline
▲ 0.50% · 4.625%
HK$62,730
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,178/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,287
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,131
−HK$1,874/mo
Today · 4.125%
HK$63,005
baseline
▲ 0.50% · 4.625%
HK$66,839
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,010/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,957
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,725
−HK$1,795/mo
Today · 4.125%
HK$69,520
baseline
▲ 0.50% · 4.625%
HK$73,184
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,040/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,227
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,598
−HK$2,409/mo
Today · 4.125%
HK$81,007
baseline
▲ 0.50% · 4.625%
HK$85,936
+HK$4,929/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$162,014/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,801
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,076
−HK$2,307/mo
Today · 4.125%
HK$89,383
baseline
▲ 0.50% · 4.625%
HK$94,094
+HK$4,711/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,766/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,436 · Scale 2, in force from 26 Feb 2026)