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$42,502
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,824
−HK$1,343/mo
Today · 4.125%
HK$45,167
baseline
▲ 0.50% · 4.625%
HK$47,916
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,334/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,283
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,551
−HK$1,287/mo
Today · 4.125%
HK$49,838
baseline
▲ 0.50% · 4.625%
HK$52,465
+HK$2,627/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,676/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,003
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,589
−HK$1,612/mo
Today · 4.125%
HK$54,201
baseline
▲ 0.50% · 4.625%
HK$57,499
+HK$3,298/mo
Deposit HK$7.46M · loan HK$11.18M · min. income ≈ HK$108,402/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,740
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,262
−HK$1,543/mo
Today · 4.125%
HK$59,805
baseline
▲ 0.50% · 4.625%
HK$62,958
+HK$3,153/mo
Deposit HK$7.46M · loan HK$11.18M · min. income ≈ HK$119,610/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,503
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,354
−HK$1,880/mo
Today · 4.125%
HK$63,234
baseline
▲ 0.50% · 4.625%
HK$67,082
+HK$3,848/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,468/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,196
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,972
−HK$1,801/mo
Today · 4.125%
HK$69,773
baseline
▲ 0.50% · 4.625%
HK$73,451
+HK$3,678/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,546/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,504
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,884
−HK$2,417/mo
Today · 4.125%
HK$81,301
baseline
▲ 0.50% · 4.625%
HK$86,248
+HK$4,947/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,602/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,110
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,392
−HK$2,316/mo
Today · 4.125%
HK$89,708
baseline
▲ 0.50% · 4.625%
HK$94,437
+HK$4,729/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,416/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,970 · Scale 2, in force from 26 Feb 2026)