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$42,583
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,908
−HK$1,346/mo
Today · 4.125%
HK$45,254
baseline
▲ 0.50% · 4.625%
HK$48,007
+HK$2,753/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$700,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,374
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,644
−HK$1,289/mo
Today · 4.125%
HK$49,933
baseline
▲ 0.50% · 4.625%
HK$52,565
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,866/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,100
−HK$3,205/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$11.20M · min. income ≈ HK$108,610/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,848
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,373
−HK$1,547/mo
Today · 4.125%
HK$59,920
baseline
▲ 0.50% · 4.625%
HK$63,078
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,840/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,617
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,471
−HK$1,884/mo
Today · 4.125%
HK$63,355
baseline
▲ 0.50% · 4.625%
HK$67,210
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,710/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,323
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,102
−HK$1,804/mo
Today · 4.125%
HK$69,906
baseline
▲ 0.50% · 4.625%
HK$73,591
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,812/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,650
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,034
−HK$2,423/mo
Today · 4.125%
HK$81,457
baseline
▲ 0.50% · 4.625%
HK$86,413
+HK$4,956/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,914/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,273
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,559
−HK$2,321/mo
Today · 4.125%
HK$89,880
baseline
▲ 0.50% · 4.625%
HK$94,617
+HK$4,737/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$700,307 · Scale 2, in force from 26 Feb 2026)