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$42,564
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,888
−HK$1,345/mo
Today · 4.125%
HK$45,233
baseline
▲ 0.50% · 4.625%
HK$47,985
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,466/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,352
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,622
−HK$1,288/mo
Today · 4.125%
HK$49,910
baseline
▲ 0.50% · 4.625%
HK$52,541
+HK$2,631/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,820/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,077
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,665
−HK$1,614/mo
Today · 4.125%
HK$54,279
baseline
▲ 0.50% · 4.625%
HK$57,582
+HK$3,303/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,558/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$699,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,822
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,346
−HK$1,546/mo
Today · 4.125%
HK$59,892
baseline
▲ 0.50% · 4.625%
HK$63,049
+HK$3,157/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,784/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$699,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,589
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,443
−HK$1,883/mo
Today · 4.125%
HK$63,326
baseline
▲ 0.50% · 4.625%
HK$67,179
+HK$3,853/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,652/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,292
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,070
−HK$1,804/mo
Today · 4.125%
HK$69,874
baseline
▲ 0.50% · 4.625%
HK$73,557
+HK$3,683/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,748/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,615
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,998
−HK$2,421/mo
Today · 4.125%
HK$81,419
baseline
▲ 0.50% · 4.625%
HK$86,373
+HK$4,954/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,838/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,233
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,519
−HK$2,319/mo
Today · 4.125%
HK$89,838
baseline
▲ 0.50% · 4.625%
HK$94,574
+HK$4,736/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,676/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,984 · Scale 2, in force from 26 Feb 2026)