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$42,521
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,844
−HK$1,344/mo
Today · 4.125%
HK$45,188
baseline
▲ 0.50% · 4.625%
HK$47,937
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,376/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,304
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,573
−HK$1,287/mo
Today · 4.125%
HK$49,860
baseline
▲ 0.50% · 4.625%
HK$52,488
+HK$2,628/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,720/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,026
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,613
−HK$1,612/mo
Today · 4.125%
HK$54,225
baseline
▲ 0.50% · 4.625%
HK$57,525
+HK$3,300/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,450/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,765
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,288
−HK$1,544/mo
Today · 4.125%
HK$59,832
baseline
▲ 0.50% · 4.625%
HK$62,986
+HK$3,154/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,664/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,530
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,381
−HK$1,882/mo
Today · 4.125%
HK$63,263
baseline
▲ 0.50% · 4.625%
HK$67,112
+HK$3,849/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,526/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,226
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,002
−HK$1,802/mo
Today · 4.125%
HK$69,804
baseline
▲ 0.50% · 4.625%
HK$73,484
+HK$3,680/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,608/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,538
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,919
−HK$2,419/mo
Today · 4.125%
HK$81,338
baseline
▲ 0.50% · 4.625%
HK$86,287
+HK$4,949/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,676/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,148
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,432
−HK$2,316/mo
Today · 4.125%
HK$89,748
baseline
▲ 0.50% · 4.625%
HK$94,479
+HK$4,731/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,496/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,285 · Scale 2, in force from 26 Feb 2026)