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$42,498
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,820
−HK$1,343/mo
Today · 4.125%
HK$45,163
baseline
▲ 0.50% · 4.625%
HK$47,911
+HK$2,748/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,326/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,279
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,547
−HK$1,286/mo
Today · 4.125%
HK$49,833
baseline
▲ 0.50% · 4.625%
HK$52,460
+HK$2,627/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,666/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,998
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,584
−HK$1,612/mo
Today · 4.125%
HK$54,196
baseline
▲ 0.50% · 4.625%
HK$57,494
+HK$3,298/mo
Deposit HK$7.46M · loan HK$11.18M · min. income ≈ HK$108,392/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,735
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,256
−HK$1,544/mo
Today · 4.125%
HK$59,800
baseline
▲ 0.50% · 4.625%
HK$62,952
+HK$3,152/mo
Deposit HK$7.46M · loan HK$11.18M · min. income ≈ HK$119,600/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,498
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,348
−HK$1,881/mo
Today · 4.125%
HK$63,229
baseline
▲ 0.50% · 4.625%
HK$67,076
+HK$3,847/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,458/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,190
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,966
−HK$1,801/mo
Today · 4.125%
HK$69,767
baseline
▲ 0.50% · 4.625%
HK$73,444
+HK$3,677/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,534/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,497
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,876
−HK$2,418/mo
Today · 4.125%
HK$81,294
baseline
▲ 0.50% · 4.625%
HK$86,240
+HK$4,946/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,588/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,102
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,384
−HK$2,316/mo
Today · 4.125%
HK$89,700
baseline
▲ 0.50% · 4.625%
HK$94,428
+HK$4,728/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,400/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,907 · Scale 2, in force from 26 Feb 2026)