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$42,463
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,784
−HK$1,342/mo
Today · 4.125%
HK$45,126
baseline
▲ 0.50% · 4.625%
HK$47,871
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,252/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,240
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,506
−HK$1,286/mo
Today · 4.125%
HK$49,792
baseline
▲ 0.50% · 4.625%
HK$52,416
+HK$2,624/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,584/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,955
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,540
−HK$1,611/mo
Today · 4.125%
HK$54,151
baseline
▲ 0.50% · 4.625%
HK$57,446
+HK$3,295/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,302/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,687
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,208
−HK$1,542/mo
Today · 4.125%
HK$59,750
baseline
▲ 0.50% · 4.625%
HK$62,900
+HK$3,150/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,500/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,448
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,297
−HK$1,879/mo
Today · 4.125%
HK$63,176
baseline
▲ 0.50% · 4.625%
HK$67,020
+HK$3,844/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,352/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,135
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,909
−HK$1,799/mo
Today · 4.125%
HK$69,708
baseline
▲ 0.50% · 4.625%
HK$73,383
+HK$3,675/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,416/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,433
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,811
−HK$2,415/mo
Today · 4.125%
HK$81,226
baseline
▲ 0.50% · 4.625%
HK$86,169
+HK$4,943/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,452/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,031
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,312
−HK$2,313/mo
Today · 4.125%
HK$89,625
baseline
▲ 0.50% · 4.625%
HK$94,349
+HK$4,724/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,250/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,324 · Scale 2, in force from 26 Feb 2026)