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$42,583
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,907
−HK$1,346/mo
Today · 4.125%
HK$45,253
baseline
▲ 0.50% · 4.625%
HK$48,007
+HK$2,754/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$700,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,373
−HK$2,559/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$700,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,099
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,689
−HK$1,615/mo
Today · 4.125%
HK$54,304
baseline
▲ 0.50% · 4.625%
HK$57,608
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,608/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,848
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,372
−HK$1,547/mo
Today · 4.125%
HK$59,919
baseline
▲ 0.50% · 4.625%
HK$63,077
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,838/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,616
−HK$3,738/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$700,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,322
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,101
−HK$1,804/mo
Today · 4.125%
HK$69,905
baseline
▲ 0.50% · 4.625%
HK$73,590
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,810/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,649
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,033
−HK$2,423/mo
Today · 4.125%
HK$81,456
baseline
▲ 0.50% · 4.625%
HK$86,412
+HK$4,956/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,912/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,271
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,558
−HK$2,320/mo
Today · 4.125%
HK$89,878
baseline
▲ 0.50% · 4.625%
HK$94,616
+HK$4,738/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,756/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,297 · Scale 2, in force from 26 Feb 2026)