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$42,483
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,804
−HK$1,343/mo
Today · 4.125%
HK$45,147
baseline
▲ 0.50% · 4.625%
HK$47,894
+HK$2,747/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,294/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,262
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,529
−HK$1,286/mo
Today · 4.125%
HK$49,815
baseline
▲ 0.50% · 4.625%
HK$52,441
+HK$2,626/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,630/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,980
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,565
−HK$1,611/mo
Today · 4.125%
HK$54,176
baseline
▲ 0.50% · 4.625%
HK$57,473
+HK$3,297/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,352/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,714
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,235
−HK$1,543/mo
Today · 4.125%
HK$59,778
baseline
▲ 0.50% · 4.625%
HK$62,929
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,556/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,476
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,326
−HK$1,880/mo
Today · 4.125%
HK$63,206
baseline
▲ 0.50% · 4.625%
HK$67,052
+HK$3,846/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,412/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,167
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,941
−HK$1,800/mo
Today · 4.125%
HK$69,741
baseline
▲ 0.50% · 4.625%
HK$73,418
+HK$3,677/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,482/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,469
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,848
−HK$2,417/mo
Today · 4.125%
HK$81,265
baseline
▲ 0.50% · 4.625%
HK$86,209
+HK$4,944/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,530/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,071
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,353
−HK$2,314/mo
Today · 4.125%
HK$89,667
baseline
▲ 0.50% · 4.625%
HK$94,394
+HK$4,727/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,334/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,655 · Scale 2, in force from 26 Feb 2026)