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$42,522
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,845
−HK$1,344/mo
Today · 4.125%
HK$45,189
baseline
▲ 0.50% · 4.625%
HK$47,938
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,378/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,306
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,574
−HK$1,287/mo
Today · 4.125%
HK$49,861
baseline
▲ 0.50% · 4.625%
HK$52,490
+HK$2,629/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,722/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,027
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,614
−HK$1,613/mo
Today · 4.125%
HK$54,227
baseline
▲ 0.50% · 4.625%
HK$57,526
+HK$3,299/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,454/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,767
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,289
−HK$1,545/mo
Today · 4.125%
HK$59,834
baseline
▲ 0.50% · 4.625%
HK$62,988
+HK$3,154/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,668/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,531
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,383
−HK$1,881/mo
Today · 4.125%
HK$63,264
baseline
▲ 0.50% · 4.625%
HK$67,114
+HK$3,850/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,528/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,228
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,004
−HK$1,802/mo
Today · 4.125%
HK$69,806
baseline
▲ 0.50% · 4.625%
HK$73,486
+HK$3,680/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,612/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,540
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,921
−HK$2,419/mo
Today · 4.125%
HK$81,340
baseline
▲ 0.50% · 4.625%
HK$86,289
+HK$4,949/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,680/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,150
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,434
−HK$2,317/mo
Today · 4.125%
HK$89,751
baseline
▲ 0.50% · 4.625%
HK$94,481
+HK$4,730/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,502/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,302 · Scale 2, in force from 26 Feb 2026)