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$42,615
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,941
−HK$1,346/mo
Today · 4.125%
HK$45,287
baseline
▲ 0.50% · 4.625%
HK$48,043
+HK$2,756/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,574/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,409
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,680
−HK$1,290/mo
Today · 4.125%
HK$49,970
baseline
▲ 0.50% · 4.625%
HK$52,604
+HK$2,634/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,940/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,138
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,729
−HK$1,616/mo
Today · 4.125%
HK$54,345
baseline
▲ 0.50% · 4.625%
HK$57,651
+HK$3,306/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$108,690/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,890
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,416
−HK$1,548/mo
Today · 4.125%
HK$59,964
baseline
▲ 0.50% · 4.625%
HK$63,125
+HK$3,161/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$119,928/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,661
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,517
−HK$1,885/mo
Today · 4.125%
HK$63,402
baseline
▲ 0.50% · 4.625%
HK$67,260
+HK$3,858/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,804/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,372
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,152
−HK$1,806/mo
Today · 4.125%
HK$69,958
baseline
▲ 0.50% · 4.625%
HK$73,646
+HK$3,688/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,916/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,707
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,093
−HK$2,424/mo
Today · 4.125%
HK$81,517
baseline
▲ 0.50% · 4.625%
HK$86,477
+HK$4,960/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,034/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,336
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,624
−HK$2,322/mo
Today · 4.125%
HK$89,946
baseline
▲ 0.50% · 4.625%
HK$94,687
+HK$4,741/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,892/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,826 · Scale 2, in force from 26 Feb 2026)