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$42,474
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,342/mo
Today · 4.125%
HK$45,138
baseline
▲ 0.50% · 4.625%
HK$47,885
+HK$2,747/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,276/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,252
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,520
−HK$1,285/mo
Today · 4.125%
HK$49,805
baseline
▲ 0.50% · 4.625%
HK$52,431
+HK$2,626/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,610/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,969
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,555
−HK$1,611/mo
Today · 4.125%
HK$54,166
baseline
▲ 0.50% · 4.625%
HK$57,461
+HK$3,295/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,332/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,703
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,224
−HK$1,542/mo
Today · 4.125%
HK$59,766
baseline
▲ 0.50% · 4.625%
HK$62,917
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,532/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,464
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,314
−HK$1,879/mo
Today · 4.125%
HK$63,193
baseline
▲ 0.50% · 4.625%
HK$67,038
+HK$3,845/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,386/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,153
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,928
−HK$1,799/mo
Today · 4.125%
HK$69,727
baseline
▲ 0.50% · 4.625%
HK$73,403
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,454/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,454
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,832
−HK$2,416/mo
Today · 4.125%
HK$81,248
baseline
▲ 0.50% · 4.625%
HK$86,192
+HK$4,944/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,496/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,054
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,336
−HK$2,314/mo
Today · 4.125%
HK$89,650
baseline
▲ 0.50% · 4.625%
HK$94,375
+HK$4,725/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,300/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,516 · Scale 2, in force from 26 Feb 2026)