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$42,621
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,947
−HK$1,347/mo
Today · 4.125%
HK$45,294
baseline
▲ 0.50% · 4.625%
HK$48,050
+HK$2,756/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,588/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,416
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,687
−HK$1,291/mo
Today · 4.125%
HK$49,978
baseline
▲ 0.50% · 4.625%
HK$52,612
+HK$2,634/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,956/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,146
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,737
−HK$1,616/mo
Today · 4.125%
HK$54,353
baseline
▲ 0.50% · 4.625%
HK$57,660
+HK$3,307/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$108,706/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,899
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,425
−HK$1,548/mo
Today · 4.125%
HK$59,973
baseline
▲ 0.50% · 4.625%
HK$63,134
+HK$3,161/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$119,946/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,670
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,526
−HK$1,886/mo
Today · 4.125%
HK$63,412
baseline
▲ 0.50% · 4.625%
HK$67,270
+HK$3,858/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,824/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,382
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,162
−HK$1,807/mo
Today · 4.125%
HK$69,969
baseline
▲ 0.50% · 4.625%
HK$73,657
+HK$3,688/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,938/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,718
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,105
−HK$2,424/mo
Today · 4.125%
HK$81,529
baseline
▲ 0.50% · 4.625%
HK$86,490
+HK$4,961/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,058/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,348
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,637
−HK$2,323/mo
Today · 4.125%
HK$89,960
baseline
▲ 0.50% · 4.625%
HK$94,701
+HK$4,741/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,920/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,931 · Scale 2, in force from 26 Feb 2026)