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$42,560
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,884
−HK$1,345/mo
Today · 4.125%
HK$45,229
baseline
▲ 0.50% · 4.625%
HK$47,981
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,458/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,348
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,617
−HK$1,289/mo
Today · 4.125%
HK$49,906
baseline
▲ 0.50% · 4.625%
HK$52,536
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,812/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,072
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,661
−HK$1,614/mo
Today · 4.125%
HK$54,275
baseline
▲ 0.50% · 4.625%
HK$57,577
+HK$3,302/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,550/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$699,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,817
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,341
−HK$1,546/mo
Today · 4.125%
HK$59,887
baseline
▲ 0.50% · 4.625%
HK$63,043
+HK$3,156/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,774/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$699,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,584
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,437
−HK$1,883/mo
Today · 4.125%
HK$63,320
baseline
▲ 0.50% · 4.625%
HK$67,173
+HK$3,853/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,640/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,287
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,064
−HK$1,804/mo
Today · 4.125%
HK$69,868
baseline
▲ 0.50% · 4.625%
HK$73,551
+HK$3,683/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,736/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,608
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,991
−HK$2,421/mo
Today · 4.125%
HK$81,412
baseline
▲ 0.50% · 4.625%
HK$86,366
+HK$4,954/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,824/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,226
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,511
−HK$2,319/mo
Today · 4.125%
HK$89,830
baseline
▲ 0.50% · 4.625%
HK$94,565
+HK$4,735/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,660/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,922 · Scale 2, in force from 26 Feb 2026)