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$42,390
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,708
−HK$1,340/mo
Today · 4.125%
HK$45,048
baseline
▲ 0.50% · 4.625%
HK$47,789
+HK$2,741/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,096/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,158
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,423
−HK$1,283/mo
Today · 4.125%
HK$49,706
baseline
▲ 0.50% · 4.625%
HK$52,326
+HK$2,620/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,412/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,868
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,450
−HK$1,608/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$57,347
+HK$3,289/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,590
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,108
−HK$1,539/mo
Today · 4.125%
HK$59,647
baseline
▲ 0.50% · 4.625%
HK$62,791
+HK$3,144/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$119,294/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,346
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,192
−HK$1,875/mo
Today · 4.125%
HK$63,067
baseline
▲ 0.50% · 4.625%
HK$66,905
+HK$3,838/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,134/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,022
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,792
−HK$1,797/mo
Today · 4.125%
HK$69,589
baseline
▲ 0.50% · 4.625%
HK$73,257
+HK$3,668/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,178/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,302
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,675
−HK$2,412/mo
Today · 4.125%
HK$81,087
baseline
▲ 0.50% · 4.625%
HK$86,020
+HK$4,933/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,174/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,885
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,161
−HK$2,310/mo
Today · 4.125%
HK$89,471
baseline
▲ 0.50% · 4.625%
HK$94,187
+HK$4,716/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,942/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,124 · Scale 2, in force from 26 Feb 2026)