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$42,524
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,847
−HK$1,344/mo
Today · 4.125%
HK$45,191
baseline
▲ 0.50% · 4.625%
HK$47,941
+HK$2,750/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,382/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,308
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,577
−HK$1,287/mo
Today · 4.125%
HK$49,864
baseline
▲ 0.50% · 4.625%
HK$52,492
+HK$2,628/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,728/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,029
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,616
−HK$1,613/mo
Today · 4.125%
HK$54,229
baseline
▲ 0.50% · 4.625%
HK$57,529
+HK$3,300/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,458/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,769
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,292
−HK$1,545/mo
Today · 4.125%
HK$59,837
baseline
▲ 0.50% · 4.625%
HK$62,991
+HK$3,154/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,674/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,534
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,386
−HK$1,881/mo
Today · 4.125%
HK$63,267
baseline
▲ 0.50% · 4.625%
HK$67,117
+HK$3,850/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,534/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,231
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,007
−HK$1,802/mo
Today · 4.125%
HK$69,809
baseline
▲ 0.50% · 4.625%
HK$73,489
+HK$3,680/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,618/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,544
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,925
−HK$2,419/mo
Today · 4.125%
HK$81,344
baseline
▲ 0.50% · 4.625%
HK$86,293
+HK$4,949/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,688/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,154
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,438
−HK$2,317/mo
Today · 4.125%
HK$89,755
baseline
▲ 0.50% · 4.625%
HK$94,486
+HK$4,731/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,510/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,335 · Scale 2, in force from 26 Feb 2026)