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$42,538
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,861
−HK$1,344/mo
Today · 4.125%
HK$45,205
baseline
▲ 0.50% · 4.625%
HK$47,956
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,410/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,323
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,592
−HK$1,288/mo
Today · 4.125%
HK$49,880
baseline
▲ 0.50% · 4.625%
HK$52,509
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,760/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,045
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,633
−HK$1,613/mo
Today · 4.125%
HK$54,246
baseline
▲ 0.50% · 4.625%
HK$57,547
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,492/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,787
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,310
−HK$1,546/mo
Today · 4.125%
HK$59,856
baseline
▲ 0.50% · 4.625%
HK$63,011
+HK$3,155/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,712/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,553
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,405
−HK$1,882/mo
Today · 4.125%
HK$63,287
baseline
▲ 0.50% · 4.625%
HK$67,138
+HK$3,851/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,574/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,252
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,029
−HK$1,802/mo
Today · 4.125%
HK$69,831
baseline
▲ 0.50% · 4.625%
HK$73,512
+HK$3,681/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,662/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,568
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,950
−HK$2,420/mo
Today · 4.125%
HK$81,370
baseline
▲ 0.50% · 4.625%
HK$86,321
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,740/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,181
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,466
−HK$2,317/mo
Today · 4.125%
HK$89,783
baseline
▲ 0.50% · 4.625%
HK$94,516
+HK$4,733/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,566/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,557 · Scale 2, in force from 26 Feb 2026)