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$42,457
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,778
−HK$1,342/mo
Today · 4.125%
HK$45,120
baseline
▲ 0.50% · 4.625%
HK$47,865
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,240/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,233
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,500
−HK$1,285/mo
Today · 4.125%
HK$49,785
baseline
▲ 0.50% · 4.625%
HK$52,409
+HK$2,624/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,570/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,949
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,533
−HK$1,611/mo
Today · 4.125%
HK$54,144
baseline
▲ 0.50% · 4.625%
HK$57,438
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,288/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,680
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,200
−HK$1,542/mo
Today · 4.125%
HK$59,742
baseline
▲ 0.50% · 4.625%
HK$62,891
+HK$3,149/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,484/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,440
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,289
−HK$1,879/mo
Today · 4.125%
HK$63,168
baseline
▲ 0.50% · 4.625%
HK$67,011
+HK$3,843/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$126,336/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,126
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,900
−HK$1,799/mo
Today · 4.125%
HK$69,699
baseline
▲ 0.50% · 4.625%
HK$73,373
+HK$3,674/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$139,398/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,423
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,800
−HK$2,415/mo
Today · 4.125%
HK$81,215
baseline
▲ 0.50% · 4.625%
HK$86,157
+HK$4,942/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,430/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,020
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,300
−HK$2,313/mo
Today · 4.125%
HK$89,613
baseline
▲ 0.50% · 4.625%
HK$94,337
+HK$4,724/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,226/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,231 · Scale 2, in force from 26 Feb 2026)