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$42,436
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,756
−HK$1,341/mo
Today · 4.125%
HK$45,097
baseline
▲ 0.50% · 4.625%
HK$47,841
+HK$2,744/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,194/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,209
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,475
−HK$1,285/mo
Today · 4.125%
HK$49,760
baseline
▲ 0.50% · 4.625%
HK$52,383
+HK$2,623/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,520/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,923
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,507
−HK$1,609/mo
Today · 4.125%
HK$54,116
baseline
▲ 0.50% · 4.625%
HK$57,409
+HK$3,293/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$108,232/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,651
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,171
−HK$1,541/mo
Today · 4.125%
HK$59,712
baseline
▲ 0.50% · 4.625%
HK$62,859
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$119,424/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,410
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,258
−HK$1,878/mo
Today · 4.125%
HK$63,136
baseline
▲ 0.50% · 4.625%
HK$66,977
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,272/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,093
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,866
−HK$1,798/mo
Today · 4.125%
HK$69,664
baseline
▲ 0.50% · 4.625%
HK$73,336
+HK$3,672/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,328/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,384
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,760
−HK$2,414/mo
Today · 4.125%
HK$81,174
baseline
▲ 0.50% · 4.625%
HK$86,114
+HK$4,940/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,348/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,977
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,256
−HK$2,312/mo
Today · 4.125%
HK$89,568
baseline
▲ 0.50% · 4.625%
HK$94,289
+HK$4,721/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,136/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,878 · Scale 2, in force from 26 Feb 2026)