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$42,507
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,830
−HK$1,343/mo
Today · 4.125%
HK$45,173
baseline
▲ 0.50% · 4.625%
HK$47,922
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,346/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,289
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,557
−HK$1,287/mo
Today · 4.125%
HK$49,844
baseline
▲ 0.50% · 4.625%
HK$52,471
+HK$2,627/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,688/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,009
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,596
−HK$1,612/mo
Today · 4.125%
HK$54,208
baseline
▲ 0.50% · 4.625%
HK$57,506
+HK$3,298/mo
Deposit HK$7.46M · loan HK$11.18M · min. income ≈ HK$108,416/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,747
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,269
−HK$1,544/mo
Today · 4.125%
HK$59,813
baseline
▲ 0.50% · 4.625%
HK$62,965
+HK$3,152/mo
Deposit HK$7.46M · loan HK$11.18M · min. income ≈ HK$119,626/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,510
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,361
−HK$1,881/mo
Today · 4.125%
HK$63,242
baseline
▲ 0.50% · 4.625%
HK$67,090
+HK$3,848/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,484/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,205
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,980
−HK$1,801/mo
Today · 4.125%
HK$69,781
baseline
▲ 0.50% · 4.625%
HK$73,460
+HK$3,679/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,562/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,513
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,893
−HK$2,418/mo
Today · 4.125%
HK$81,311
baseline
▲ 0.50% · 4.625%
HK$86,259
+HK$4,948/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,622/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,120
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,403
−HK$2,316/mo
Today · 4.125%
HK$89,719
baseline
▲ 0.50% · 4.625%
HK$94,448
+HK$4,729/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,438/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,056 · Scale 2, in force from 26 Feb 2026)