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$42,476
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,798
−HK$1,342/mo
Today · 4.125%
HK$45,140
baseline
▲ 0.50% · 4.625%
HK$47,887
+HK$2,747/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,280/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,254
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,522
−HK$1,285/mo
Today · 4.125%
HK$49,807
baseline
▲ 0.50% · 4.625%
HK$52,433
+HK$2,626/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,614/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,972
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,557
−HK$1,611/mo
Today · 4.125%
HK$54,168
baseline
▲ 0.50% · 4.625%
HK$57,464
+HK$3,296/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,336/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,705
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,226
−HK$1,543/mo
Today · 4.125%
HK$59,769
baseline
▲ 0.50% · 4.625%
HK$62,919
+HK$3,150/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,538/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,467
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,317
−HK$1,879/mo
Today · 4.125%
HK$63,196
baseline
▲ 0.50% · 4.625%
HK$67,041
+HK$3,845/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,392/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,156
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,931
−HK$1,799/mo
Today · 4.125%
HK$69,730
baseline
▲ 0.50% · 4.625%
HK$73,406
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,460/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,457
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,836
−HK$2,416/mo
Today · 4.125%
HK$81,252
baseline
▲ 0.50% · 4.625%
HK$86,196
+HK$4,944/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,504/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,058
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,339
−HK$2,314/mo
Today · 4.125%
HK$89,653
baseline
▲ 0.50% · 4.625%
HK$94,379
+HK$4,726/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,306/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,545 · Scale 2, in force from 26 Feb 2026)