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$42,460
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,781
−HK$1,342/mo
Today · 4.125%
HK$45,123
baseline
▲ 0.50% · 4.625%
HK$47,869
+HK$2,746/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,246/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,237
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,504
−HK$1,285/mo
Today · 4.125%
HK$49,789
baseline
▲ 0.50% · 4.625%
HK$52,413
+HK$2,624/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,578/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,953
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,537
−HK$1,611/mo
Today · 4.125%
HK$54,148
baseline
▲ 0.50% · 4.625%
HK$57,442
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,296/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,684
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,204
−HK$1,543/mo
Today · 4.125%
HK$59,747
baseline
▲ 0.50% · 4.625%
HK$62,896
+HK$3,149/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,494/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,445
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,294
−HK$1,878/mo
Today · 4.125%
HK$63,172
baseline
▲ 0.50% · 4.625%
HK$67,016
+HK$3,844/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$126,344/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,132
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,905
−HK$1,799/mo
Today · 4.125%
HK$69,704
baseline
▲ 0.50% · 4.625%
HK$73,379
+HK$3,675/mo
Deposit HK$5.59M · loan HK$13.03M · min. income ≈ HK$139,408/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,429
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,806
−HK$2,416/mo
Today · 4.125%
HK$81,222
baseline
▲ 0.50% · 4.625%
HK$86,164
+HK$4,942/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,444/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,026
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,307
−HK$2,313/mo
Today · 4.125%
HK$89,620
baseline
▲ 0.50% · 4.625%
HK$94,344
+HK$4,724/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,240/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,284 · Scale 2, in force from 26 Feb 2026)