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$42,517
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,840
−HK$1,344/mo
Today · 4.125%
HK$45,184
baseline
▲ 0.50% · 4.625%
HK$47,933
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,368/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,300
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,569
−HK$1,287/mo
Today · 4.125%
HK$49,856
baseline
▲ 0.50% · 4.625%
HK$52,484
+HK$2,628/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,712/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,021
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,608
−HK$1,612/mo
Today · 4.125%
HK$54,220
baseline
▲ 0.50% · 4.625%
HK$57,519
+HK$3,299/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,440/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,760
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,282
−HK$1,545/mo
Today · 4.125%
HK$59,827
baseline
▲ 0.50% · 4.625%
HK$62,980
+HK$3,153/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,654/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,524
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,376
−HK$1,881/mo
Today · 4.125%
HK$63,257
baseline
▲ 0.50% · 4.625%
HK$67,106
+HK$3,849/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,514/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,220
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,996
−HK$1,802/mo
Today · 4.125%
HK$69,798
baseline
▲ 0.50% · 4.625%
HK$73,477
+HK$3,679/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,596/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,531
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,912
−HK$2,418/mo
Today · 4.125%
HK$81,330
baseline
▲ 0.50% · 4.625%
HK$86,279
+HK$4,949/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,660/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,140
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,424
−HK$2,316/mo
Today · 4.125%
HK$89,740
baseline
▲ 0.50% · 4.625%
HK$94,470
+HK$4,730/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,480/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,221 · Scale 2, in force from 26 Feb 2026)