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$42,596
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,921
−HK$1,346/mo
Today · 4.125%
HK$45,267
baseline
▲ 0.50% · 4.625%
HK$48,021
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,534/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,388
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,658
−HK$1,290/mo
Today · 4.125%
HK$49,948
baseline
▲ 0.50% · 4.625%
HK$52,581
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,896/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,115
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,705
−HK$1,616/mo
Today · 4.125%
HK$54,321
baseline
▲ 0.50% · 4.625%
HK$57,626
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,642/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,865
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,390
−HK$1,547/mo
Today · 4.125%
HK$59,937
baseline
▲ 0.50% · 4.625%
HK$63,097
+HK$3,160/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,874/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,634
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,489
−HK$1,885/mo
Today · 4.125%
HK$63,374
baseline
▲ 0.50% · 4.625%
HK$67,230
+HK$3,856/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$126,748/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,343
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,122
−HK$1,805/mo
Today · 4.125%
HK$69,927
baseline
▲ 0.50% · 4.625%
HK$73,613
+HK$3,686/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$139,854/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,673
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,058
−HK$2,423/mo
Today · 4.125%
HK$81,481
baseline
▲ 0.50% · 4.625%
HK$86,439
+HK$4,958/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,962/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,298
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,585
−HK$2,321/mo
Today · 4.125%
HK$89,906
baseline
▲ 0.50% · 4.625%
HK$94,645
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,812/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,513 · Scale 2, in force from 26 Feb 2026)