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$42,570
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,894
−HK$1,346/mo
Today · 4.125%
HK$45,240
baseline
▲ 0.50% · 4.625%
HK$47,992
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,480/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$700,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,359
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,629
−HK$1,289/mo
Today · 4.125%
HK$49,918
baseline
▲ 0.50% · 4.625%
HK$52,549
+HK$2,631/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,836/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$700,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,084
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,673
−HK$1,615/mo
Today · 4.125%
HK$54,288
baseline
▲ 0.50% · 4.625%
HK$57,591
+HK$3,303/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,576/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,831
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,355
−HK$1,546/mo
Today · 4.125%
HK$59,901
baseline
▲ 0.50% · 4.625%
HK$63,059
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,802/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,598
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,452
−HK$1,884/mo
Today · 4.125%
HK$63,336
baseline
▲ 0.50% · 4.625%
HK$67,189
+HK$3,853/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,672/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,303
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,081
−HK$1,804/mo
Today · 4.125%
HK$69,885
baseline
▲ 0.50% · 4.625%
HK$73,568
+HK$3,683/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,770/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,626
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,010
−HK$2,422/mo
Today · 4.125%
HK$81,432
baseline
▲ 0.50% · 4.625%
HK$86,386
+HK$4,954/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,864/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,246
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,532
−HK$2,320/mo
Today · 4.125%
HK$89,852
baseline
▲ 0.50% · 4.625%
HK$94,588
+HK$4,736/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,704/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,090 · Scale 2, in force from 26 Feb 2026)