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$42,482
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,803
−HK$1,343/mo
Today · 4.125%
HK$45,146
baseline
▲ 0.50% · 4.625%
HK$47,893
+HK$2,747/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,292/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,261
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,528
−HK$1,286/mo
Today · 4.125%
HK$49,814
baseline
▲ 0.50% · 4.625%
HK$52,440
+HK$2,626/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,628/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,978
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,564
−HK$1,611/mo
Today · 4.125%
HK$54,175
baseline
▲ 0.50% · 4.625%
HK$57,472
+HK$3,297/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,350/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,713
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,234
−HK$1,543/mo
Today · 4.125%
HK$59,777
baseline
▲ 0.50% · 4.625%
HK$62,928
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,554/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,475
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,325
−HK$1,879/mo
Today · 4.125%
HK$63,204
baseline
▲ 0.50% · 4.625%
HK$67,050
+HK$3,846/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,408/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,165
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,940
−HK$1,800/mo
Today · 4.125%
HK$69,740
baseline
▲ 0.50% · 4.625%
HK$73,416
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,480/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,467
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,846
−HK$2,417/mo
Today · 4.125%
HK$81,263
baseline
▲ 0.50% · 4.625%
HK$86,207
+HK$4,944/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,526/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,069
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,351
−HK$2,314/mo
Today · 4.125%
HK$89,665
baseline
▲ 0.50% · 4.625%
HK$94,392
+HK$4,727/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,330/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,638 · Scale 2, in force from 26 Feb 2026)