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$42,597
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,922
−HK$1,346/mo
Today · 4.125%
HK$45,268
baseline
▲ 0.50% · 4.625%
HK$48,023
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,536/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,389
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,660
−HK$1,289/mo
Today · 4.125%
HK$49,949
baseline
▲ 0.50% · 4.625%
HK$52,582
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,898/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,117
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,707
−HK$1,615/mo
Today · 4.125%
HK$54,322
baseline
▲ 0.50% · 4.625%
HK$57,627
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,644/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,867
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,392
−HK$1,547/mo
Today · 4.125%
HK$59,939
baseline
▲ 0.50% · 4.625%
HK$63,099
+HK$3,160/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,878/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,636
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,491
−HK$1,885/mo
Today · 4.125%
HK$63,376
baseline
▲ 0.50% · 4.625%
HK$67,232
+HK$3,856/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$126,752/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,345
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,124
−HK$1,805/mo
Today · 4.125%
HK$69,929
baseline
▲ 0.50% · 4.625%
HK$73,615
+HK$3,686/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$139,858/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,675
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,060
−HK$2,423/mo
Today · 4.125%
HK$81,483
baseline
▲ 0.50% · 4.625%
HK$86,441
+HK$4,958/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,966/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,300
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,588
−HK$2,321/mo
Today · 4.125%
HK$89,909
baseline
▲ 0.50% · 4.625%
HK$94,648
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,818/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,533 · Scale 2, in force from 26 Feb 2026)