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$42,584
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,908
−HK$1,346/mo
Today · 4.125%
HK$45,254
baseline
▲ 0.50% · 4.625%
HK$48,008
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,508/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,374
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,645
−HK$1,289/mo
Today · 4.125%
HK$49,934
baseline
▲ 0.50% · 4.625%
HK$52,566
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,868/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,101
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,690
−HK$1,615/mo
Today · 4.125%
HK$54,305
baseline
▲ 0.50% · 4.625%
HK$57,609
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,610/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,849
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,374
−HK$1,546/mo
Today · 4.125%
HK$59,920
baseline
▲ 0.50% · 4.625%
HK$63,079
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,840/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,617
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,472
−HK$1,884/mo
Today · 4.125%
HK$63,356
baseline
▲ 0.50% · 4.625%
HK$67,211
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,712/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,324
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,103
−HK$1,804/mo
Today · 4.125%
HK$69,907
baseline
▲ 0.50% · 4.625%
HK$73,592
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,814/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,651
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,035
−HK$2,423/mo
Today · 4.125%
HK$81,458
baseline
▲ 0.50% · 4.625%
HK$86,414
+HK$4,956/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,916/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,273
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,560
−HK$2,320/mo
Today · 4.125%
HK$89,880
baseline
▲ 0.50% · 4.625%
HK$94,618
+HK$4,738/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,760/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,314 · Scale 2, in force from 26 Feb 2026)