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$42,488
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,809
−HK$1,343/mo
Today · 4.125%
HK$45,152
baseline
▲ 0.50% · 4.625%
HK$47,899
+HK$2,747/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,304/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,267
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,535
−HK$1,286/mo
Today · 4.125%
HK$49,821
baseline
▲ 0.50% · 4.625%
HK$52,447
+HK$2,626/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,642/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$698,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,985
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,571
−HK$1,612/mo
Today · 4.125%
HK$54,183
baseline
▲ 0.50% · 4.625%
HK$57,479
+HK$3,296/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,366/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,721
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,242
−HK$1,543/mo
Today · 4.125%
HK$59,785
baseline
▲ 0.50% · 4.625%
HK$62,936
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,570/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,483
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,333
−HK$1,880/mo
Today · 4.125%
HK$63,213
baseline
▲ 0.50% · 4.625%
HK$67,059
+HK$3,846/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,426/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,174
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,949
−HK$1,800/mo
Today · 4.125%
HK$69,749
baseline
▲ 0.50% · 4.625%
HK$73,426
+HK$3,677/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,498/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,478
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,857
−HK$2,417/mo
Today · 4.125%
HK$81,274
baseline
▲ 0.50% · 4.625%
HK$86,219
+HK$4,945/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,548/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,081
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,363
−HK$2,315/mo
Today · 4.125%
HK$89,678
baseline
▲ 0.50% · 4.625%
HK$94,405
+HK$4,727/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,356/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,733 · Scale 2, in force from 26 Feb 2026)