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$42,577
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,902
−HK$1,345/mo
Today · 4.125%
HK$45,247
baseline
▲ 0.50% · 4.625%
HK$48,000
+HK$2,753/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,494/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,367
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,637
−HK$1,289/mo
Today · 4.125%
HK$49,926
baseline
▲ 0.50% · 4.625%
HK$52,558
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,852/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,093
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,682
−HK$1,615/mo
Today · 4.125%
HK$54,297
baseline
▲ 0.50% · 4.625%
HK$57,600
+HK$3,303/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,594/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,840
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,365
−HK$1,546/mo
Today · 4.125%
HK$59,911
baseline
▲ 0.50% · 4.625%
HK$63,069
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,822/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,608
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,462
−HK$1,884/mo
Today · 4.125%
HK$63,346
baseline
▲ 0.50% · 4.625%
HK$67,201
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,692/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,313
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,092
−HK$1,804/mo
Today · 4.125%
HK$69,896
baseline
▲ 0.50% · 4.625%
HK$73,581
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,792/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,639
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,023
−HK$2,422/mo
Today · 4.125%
HK$81,445
baseline
▲ 0.50% · 4.625%
HK$86,401
+HK$4,956/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,890/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,260
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,547
−HK$2,320/mo
Today · 4.125%
HK$89,867
baseline
▲ 0.50% · 4.625%
HK$94,604
+HK$4,737/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,734/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,206 · Scale 2, in force from 26 Feb 2026)