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$42,513
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,836
−HK$1,343/mo
Today · 4.125%
HK$45,179
baseline
▲ 0.50% · 4.625%
HK$47,928
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,358/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,295
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,564
−HK$1,287/mo
Today · 4.125%
HK$49,851
baseline
▲ 0.50% · 4.625%
HK$52,478
+HK$2,627/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,702/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,016
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,603
−HK$1,612/mo
Today · 4.125%
HK$54,215
baseline
▲ 0.50% · 4.625%
HK$57,514
+HK$3,299/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,430/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,755
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,277
−HK$1,544/mo
Today · 4.125%
HK$59,821
baseline
▲ 0.50% · 4.625%
HK$62,974
+HK$3,153/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,642/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,518
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,370
−HK$1,881/mo
Today · 4.125%
HK$63,251
baseline
▲ 0.50% · 4.625%
HK$67,099
+HK$3,848/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,502/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,214
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,989
−HK$1,802/mo
Today · 4.125%
HK$69,791
baseline
▲ 0.50% · 4.625%
HK$73,470
+HK$3,679/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,582/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,524
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,904
−HK$2,418/mo
Today · 4.125%
HK$81,322
baseline
▲ 0.50% · 4.625%
HK$86,271
+HK$4,949/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,644/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,132
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,415
−HK$2,316/mo
Today · 4.125%
HK$89,731
baseline
▲ 0.50% · 4.625%
HK$94,461
+HK$4,730/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,462/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,151 · Scale 2, in force from 26 Feb 2026)