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$42,561
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,884
−HK$1,346/mo
Today · 4.125%
HK$45,230
baseline
▲ 0.50% · 4.625%
HK$47,982
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,460/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,348
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,618
−HK$1,288/mo
Today · 4.125%
HK$49,906
baseline
▲ 0.50% · 4.625%
HK$52,537
+HK$2,631/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$699,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,073
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,661
−HK$1,614/mo
Today · 4.125%
HK$54,275
baseline
▲ 0.50% · 4.625%
HK$57,578
+HK$3,303/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$699,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,818
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,342
−HK$1,546/mo
Today · 4.125%
HK$59,888
baseline
▲ 0.50% · 4.625%
HK$63,044
+HK$3,156/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,776/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$699,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,585
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,438
−HK$1,883/mo
Today · 4.125%
HK$63,321
baseline
▲ 0.50% · 4.625%
HK$67,174
+HK$3,853/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,642/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,288
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,065
−HK$1,804/mo
Today · 4.125%
HK$69,869
baseline
▲ 0.50% · 4.625%
HK$73,552
+HK$3,683/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,738/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,609
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,992
−HK$2,421/mo
Today · 4.125%
HK$81,413
baseline
▲ 0.50% · 4.625%
HK$86,367
+HK$4,954/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,826/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,227
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,513
−HK$2,318/mo
Today · 4.125%
HK$89,831
baseline
▲ 0.50% · 4.625%
HK$94,566
+HK$4,735/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,662/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,932 · Scale 2, in force from 26 Feb 2026)