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$42,480
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,802
−HK$1,342/mo
Today · 4.125%
HK$45,144
baseline
▲ 0.50% · 4.625%
HK$47,891
+HK$2,747/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,288/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,259
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,526
−HK$1,286/mo
Today · 4.125%
HK$49,812
baseline
▲ 0.50% · 4.625%
HK$52,438
+HK$2,626/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,624/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,976
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,562
−HK$1,611/mo
Today · 4.125%
HK$54,173
baseline
▲ 0.50% · 4.625%
HK$57,469
+HK$3,296/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,346/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,710
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,231
−HK$1,543/mo
Today · 4.125%
HK$59,774
baseline
▲ 0.50% · 4.625%
HK$62,925
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,548/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,472
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,322
−HK$1,880/mo
Today · 4.125%
HK$63,202
baseline
▲ 0.50% · 4.625%
HK$67,047
+HK$3,845/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,404/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,162
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,937
−HK$1,800/mo
Today · 4.125%
HK$69,737
baseline
▲ 0.50% · 4.625%
HK$73,413
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,474/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,464
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,843
−HK$2,416/mo
Today · 4.125%
HK$81,259
baseline
▲ 0.50% · 4.625%
HK$86,204
+HK$4,945/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,518/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,066
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,347
−HK$2,315/mo
Today · 4.125%
HK$89,662
baseline
▲ 0.50% · 4.625%
HK$94,388
+HK$4,726/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,324/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,609 · Scale 2, in force from 26 Feb 2026)