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$42,582
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,907
−HK$1,346/mo
Today · 4.125%
HK$45,253
baseline
▲ 0.50% · 4.625%
HK$48,006
+HK$2,753/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,506/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,372
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,643
−HK$1,289/mo
Today · 4.125%
HK$49,932
baseline
▲ 0.50% · 4.625%
HK$52,564
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,864/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,099
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,688
−HK$1,615/mo
Today · 4.125%
HK$54,303
baseline
▲ 0.50% · 4.625%
HK$57,607
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,606/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,847
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,371
−HK$1,547/mo
Today · 4.125%
HK$59,918
baseline
▲ 0.50% · 4.625%
HK$63,076
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,836/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,615
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,470
−HK$1,884/mo
Today · 4.125%
HK$63,354
baseline
▲ 0.50% · 4.625%
HK$67,209
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,708/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,321
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,100
−HK$1,804/mo
Today · 4.125%
HK$69,904
baseline
▲ 0.50% · 4.625%
HK$73,589
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,808/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,648
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,032
−HK$2,423/mo
Today · 4.125%
HK$81,455
baseline
▲ 0.50% · 4.625%
HK$86,411
+HK$4,956/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,910/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,270
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,557
−HK$2,320/mo
Today · 4.125%
HK$89,877
baseline
▲ 0.50% · 4.625%
HK$94,615
+HK$4,738/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,754/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,288 · Scale 2, in force from 26 Feb 2026)