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$42,605
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,930
−HK$1,347/mo
Today · 4.125%
HK$45,277
baseline
▲ 0.50% · 4.625%
HK$48,032
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,554/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,398
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,669
−HK$1,290/mo
Today · 4.125%
HK$49,959
baseline
▲ 0.50% · 4.625%
HK$52,592
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,918/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,126
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,717
−HK$1,615/mo
Today · 4.125%
HK$54,332
baseline
▲ 0.50% · 4.625%
HK$57,638
+HK$3,306/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,664/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,877
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,403
−HK$1,547/mo
Today · 4.125%
HK$59,950
baseline
▲ 0.50% · 4.625%
HK$63,110
+HK$3,160/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,900/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,647
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,503
−HK$1,885/mo
Today · 4.125%
HK$63,388
baseline
▲ 0.50% · 4.625%
HK$67,245
+HK$3,857/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,776/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,357
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,137
−HK$1,805/mo
Today · 4.125%
HK$69,942
baseline
▲ 0.50% · 4.625%
HK$73,629
+HK$3,687/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,884/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,689
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,075
−HK$2,424/mo
Today · 4.125%
HK$81,499
baseline
▲ 0.50% · 4.625%
HK$86,458
+HK$4,959/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$162,998/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,316
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,604
−HK$2,322/mo
Today · 4.125%
HK$89,926
baseline
▲ 0.50% · 4.625%
HK$94,666
+HK$4,740/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,852/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,666 · Scale 2, in force from 26 Feb 2026)