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$42,516
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,838
−HK$1,344/mo
Today · 4.125%
HK$45,182
baseline
▲ 0.50% · 4.625%
HK$47,931
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,364/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,298
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,567
−HK$1,287/mo
Today · 4.125%
HK$49,854
baseline
▲ 0.50% · 4.625%
HK$52,482
+HK$2,628/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,708/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,019
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,606
−HK$1,612/mo
Today · 4.125%
HK$54,218
baseline
▲ 0.50% · 4.625%
HK$57,517
+HK$3,299/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,436/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,758
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,280
−HK$1,545/mo
Today · 4.125%
HK$59,825
baseline
▲ 0.50% · 4.625%
HK$62,978
+HK$3,153/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,650/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,522
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,374
−HK$1,881/mo
Today · 4.125%
HK$63,255
baseline
▲ 0.50% · 4.625%
HK$67,104
+HK$3,849/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,510/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,218
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,994
−HK$1,801/mo
Today · 4.125%
HK$69,795
baseline
▲ 0.50% · 4.625%
HK$73,474
+HK$3,679/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,590/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,528
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,909
−HK$2,418/mo
Today · 4.125%
HK$81,327
baseline
▲ 0.50% · 4.625%
HK$86,276
+HK$4,949/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,654/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,137
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,420
−HK$2,317/mo
Today · 4.125%
HK$89,737
baseline
▲ 0.50% · 4.625%
HK$94,467
+HK$4,730/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,474/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,194 · Scale 2, in force from 26 Feb 2026)