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$42,613
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,938
−HK$1,347/mo
Today · 4.125%
HK$45,285
baseline
▲ 0.50% · 4.625%
HK$48,040
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,570/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,406
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,678
−HK$1,289/mo
Today · 4.125%
HK$49,967
baseline
▲ 0.50% · 4.625%
HK$52,601
+HK$2,634/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,934/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,135
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,726
−HK$1,616/mo
Today · 4.125%
HK$54,342
baseline
▲ 0.50% · 4.625%
HK$57,648
+HK$3,306/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$108,684/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,887
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,413
−HK$1,548/mo
Today · 4.125%
HK$59,961
baseline
▲ 0.50% · 4.625%
HK$63,122
+HK$3,161/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$119,922/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,658
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,513
−HK$1,886/mo
Today · 4.125%
HK$63,399
baseline
▲ 0.50% · 4.625%
HK$67,257
+HK$3,858/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,798/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,369
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,149
−HK$1,805/mo
Today · 4.125%
HK$69,954
baseline
▲ 0.50% · 4.625%
HK$73,642
+HK$3,688/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,908/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,703
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,089
−HK$2,424/mo
Today · 4.125%
HK$81,513
baseline
▲ 0.50% · 4.625%
HK$86,473
+HK$4,960/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,026/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,331
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,620
−HK$2,321/mo
Today · 4.125%
HK$89,941
baseline
▲ 0.50% · 4.625%
HK$94,682
+HK$4,741/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,882/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,789 · Scale 2, in force from 26 Feb 2026)