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$42,454
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,775
−HK$1,341/mo
Today · 4.125%
HK$45,116
baseline
▲ 0.50% · 4.625%
HK$47,862
+HK$2,746/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,232/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,230
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,497
−HK$1,285/mo
Today · 4.125%
HK$49,782
baseline
▲ 0.50% · 4.625%
HK$52,406
+HK$2,624/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,564/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,945
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,530
−HK$1,610/mo
Today · 4.125%
HK$54,140
baseline
▲ 0.50% · 4.625%
HK$57,434
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,280/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,676
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,196
−HK$1,542/mo
Today · 4.125%
HK$59,738
baseline
▲ 0.50% · 4.625%
HK$62,887
+HK$3,149/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,476/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,436
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,285
−HK$1,878/mo
Today · 4.125%
HK$63,163
baseline
▲ 0.50% · 4.625%
HK$67,006
+HK$3,843/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$126,326/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,122
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,895
−HK$1,799/mo
Today · 4.125%
HK$69,694
baseline
▲ 0.50% · 4.625%
HK$73,368
+HK$3,674/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$139,388/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,417
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,794
−HK$2,416/mo
Today · 4.125%
HK$81,210
baseline
▲ 0.50% · 4.625%
HK$86,151
+HK$4,941/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,420/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,014
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,294
−HK$2,313/mo
Today · 4.125%
HK$89,607
baseline
▲ 0.50% · 4.625%
HK$94,330
+HK$4,723/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,214/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,181 · Scale 2, in force from 26 Feb 2026)