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$42,456
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,777
−HK$1,342/mo
Today · 4.125%
HK$45,119
baseline
▲ 0.50% · 4.625%
HK$47,864
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,238/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,232
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,499
−HK$1,285/mo
Today · 4.125%
HK$49,784
baseline
▲ 0.50% · 4.625%
HK$52,408
+HK$2,624/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,568/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,948
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,532
−HK$1,611/mo
Today · 4.125%
HK$54,143
baseline
▲ 0.50% · 4.625%
HK$57,437
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,286/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,679
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,199
−HK$1,542/mo
Today · 4.125%
HK$59,741
baseline
▲ 0.50% · 4.625%
HK$62,890
+HK$3,149/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,482/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,439
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,288
−HK$1,878/mo
Today · 4.125%
HK$63,166
baseline
▲ 0.50% · 4.625%
HK$67,010
+HK$3,844/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$126,332/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,125
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,899
−HK$1,799/mo
Today · 4.125%
HK$69,698
baseline
▲ 0.50% · 4.625%
HK$73,372
+HK$3,674/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$139,396/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,421
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,799
−HK$2,415/mo
Today · 4.125%
HK$81,214
baseline
▲ 0.50% · 4.625%
HK$86,155
+HK$4,941/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,428/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,018
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,298
−HK$2,313/mo
Today · 4.125%
HK$89,611
baseline
▲ 0.50% · 4.625%
HK$94,335
+HK$4,724/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,222/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,218 · Scale 2, in force from 26 Feb 2026)