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$42,528
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,851
−HK$1,344/mo
Today · 4.125%
HK$45,195
baseline
▲ 0.50% · 4.625%
HK$47,945
+HK$2,750/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,390/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,312
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,581
−HK$1,287/mo
Today · 4.125%
HK$49,868
baseline
▲ 0.50% · 4.625%
HK$52,497
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,736/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,034
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,621
−HK$1,613/mo
Today · 4.125%
HK$54,234
baseline
▲ 0.50% · 4.625%
HK$57,534
+HK$3,300/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,468/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,775
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,297
−HK$1,545/mo
Today · 4.125%
HK$59,842
baseline
▲ 0.50% · 4.625%
HK$62,996
+HK$3,154/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,684/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,539
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,391
−HK$1,882/mo
Today · 4.125%
HK$63,273
baseline
▲ 0.50% · 4.625%
HK$67,123
+HK$3,850/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,546/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,237
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,013
−HK$1,803/mo
Today · 4.125%
HK$69,816
baseline
▲ 0.50% · 4.625%
HK$73,496
+HK$3,680/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,632/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,551
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,932
−HK$2,419/mo
Today · 4.125%
HK$81,351
baseline
▲ 0.50% · 4.625%
HK$86,301
+HK$4,950/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,702/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,162
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,446
−HK$2,317/mo
Today · 4.125%
HK$89,763
baseline
▲ 0.50% · 4.625%
HK$94,494
+HK$4,731/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,526/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,398 · Scale 2, in force from 26 Feb 2026)