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$42,550
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,873
−HK$1,345/mo
Today · 4.125%
HK$45,218
baseline
▲ 0.50% · 4.625%
HK$47,969
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,436/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,336
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,606
−HK$1,288/mo
Today · 4.125%
HK$49,894
baseline
▲ 0.50% · 4.625%
HK$52,524
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,788/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,060
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,648
−HK$1,614/mo
Today · 4.125%
HK$54,262
baseline
▲ 0.50% · 4.625%
HK$57,563
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$108,524/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,803
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,327
−HK$1,545/mo
Today · 4.125%
HK$59,872
baseline
▲ 0.50% · 4.625%
HK$63,028
+HK$3,156/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$119,744/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,570
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,423
−HK$1,882/mo
Today · 4.125%
HK$63,305
baseline
▲ 0.50% · 4.625%
HK$67,157
+HK$3,852/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,610/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,271
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,048
−HK$1,803/mo
Today · 4.125%
HK$69,851
baseline
▲ 0.50% · 4.625%
HK$73,533
+HK$3,682/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,702/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,590
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,972
−HK$2,420/mo
Today · 4.125%
HK$81,392
baseline
▲ 0.50% · 4.625%
HK$86,345
+HK$4,953/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,784/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,205
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,490
−HK$2,319/mo
Today · 4.125%
HK$89,809
baseline
▲ 0.50% · 4.625%
HK$94,542
+HK$4,733/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,618/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,753 · Scale 2, in force from 26 Feb 2026)