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$42,502
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,824
−HK$1,343/mo
Today · 4.125%
HK$45,167
baseline
▲ 0.50% · 4.625%
HK$47,915
+HK$2,748/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,334/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,283
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,551
−HK$1,286/mo
Today · 4.125%
HK$49,837
baseline
▲ 0.50% · 4.625%
HK$52,464
+HK$2,627/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,674/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,002
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,588
−HK$1,612/mo
Today · 4.125%
HK$54,200
baseline
▲ 0.50% · 4.625%
HK$57,498
+HK$3,298/mo
Deposit HK$7.46M · loan HK$11.18M · min. income ≈ HK$108,400/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,739
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,261
−HK$1,543/mo
Today · 4.125%
HK$59,804
baseline
▲ 0.50% · 4.625%
HK$62,957
+HK$3,153/mo
Deposit HK$7.46M · loan HK$11.18M · min. income ≈ HK$119,608/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,502
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,353
−HK$1,880/mo
Today · 4.125%
HK$63,233
baseline
▲ 0.50% · 4.625%
HK$67,081
+HK$3,848/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,466/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,196
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,971
−HK$1,801/mo
Today · 4.125%
HK$69,772
baseline
▲ 0.50% · 4.625%
HK$73,450
+HK$3,678/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,544/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,503
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,882
−HK$2,418/mo
Today · 4.125%
HK$81,300
baseline
▲ 0.50% · 4.625%
HK$86,247
+HK$4,947/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,600/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,109
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,391
−HK$2,316/mo
Today · 4.125%
HK$89,707
baseline
▲ 0.50% · 4.625%
HK$94,435
+HK$4,728/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,414/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,960 · Scale 2, in force from 26 Feb 2026)