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$42,485
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,807
−HK$1,342/mo
Today · 4.125%
HK$45,149
baseline
▲ 0.50% · 4.625%
HK$47,897
+HK$2,748/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,298/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,264
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,532
−HK$1,286/mo
Today · 4.125%
HK$49,818
baseline
▲ 0.50% · 4.625%
HK$52,444
+HK$2,626/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,636/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,982
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,568
−HK$1,611/mo
Today · 4.125%
HK$54,179
baseline
▲ 0.50% · 4.625%
HK$57,476
+HK$3,297/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,358/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,717
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,238
−HK$1,544/mo
Today · 4.125%
HK$59,782
baseline
▲ 0.50% · 4.625%
HK$62,933
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,564/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,479
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,329
−HK$1,880/mo
Today · 4.125%
HK$63,209
baseline
▲ 0.50% · 4.625%
HK$67,055
+HK$3,846/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,418/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,170
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,945
−HK$1,800/mo
Today · 4.125%
HK$69,745
baseline
▲ 0.50% · 4.625%
HK$73,421
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,490/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,473
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,852
−HK$2,417/mo
Today · 4.125%
HK$81,269
baseline
▲ 0.50% · 4.625%
HK$86,214
+HK$4,945/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,538/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,076
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,358
−HK$2,314/mo
Today · 4.125%
HK$89,672
baseline
▲ 0.50% · 4.625%
HK$94,399
+HK$4,727/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,344/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,692 · Scale 2, in force from 26 Feb 2026)