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$42,534
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,857
−HK$1,344/mo
Today · 4.125%
HK$45,201
baseline
▲ 0.50% · 4.625%
HK$47,951
+HK$2,750/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,402/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,318
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,587
−HK$1,288/mo
Today · 4.125%
HK$49,875
baseline
▲ 0.50% · 4.625%
HK$52,504
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,750/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,040
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,628
−HK$1,613/mo
Today · 4.125%
HK$54,241
baseline
▲ 0.50% · 4.625%
HK$57,542
+HK$3,301/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,482/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,782
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,305
−HK$1,545/mo
Today · 4.125%
HK$59,850
baseline
▲ 0.50% · 4.625%
HK$63,004
+HK$3,154/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,700/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,547
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,399
−HK$1,882/mo
Today · 4.125%
HK$63,281
baseline
▲ 0.50% · 4.625%
HK$67,132
+HK$3,851/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,562/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,246
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,022
−HK$1,803/mo
Today · 4.125%
HK$69,825
baseline
▲ 0.50% · 4.625%
HK$73,505
+HK$3,680/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,650/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,561
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,942
−HK$2,420/mo
Today · 4.125%
HK$81,362
baseline
▲ 0.50% · 4.625%
HK$86,312
+HK$4,950/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,724/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,173
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,457
−HK$2,318/mo
Today · 4.125%
HK$89,775
baseline
▲ 0.50% · 4.625%
HK$94,507
+HK$4,732/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,550/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,489 · Scale 2, in force from 26 Feb 2026)