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$42,599
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,924
−HK$1,346/mo
Today · 4.125%
HK$45,270
baseline
▲ 0.50% · 4.625%
HK$48,025
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,540/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,391
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,662
−HK$1,290/mo
Today · 4.125%
HK$49,952
baseline
▲ 0.50% · 4.625%
HK$52,585
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,904/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,119
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,709
−HK$1,616/mo
Today · 4.125%
HK$54,325
baseline
▲ 0.50% · 4.625%
HK$57,630
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,650/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,869
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,395
−HK$1,547/mo
Today · 4.125%
HK$59,942
baseline
▲ 0.50% · 4.625%
HK$63,101
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,884/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,639
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,494
−HK$1,885/mo
Today · 4.125%
HK$63,379
baseline
▲ 0.50% · 4.625%
HK$67,235
+HK$3,856/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$126,758/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,348
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,127
−HK$1,805/mo
Today · 4.125%
HK$69,932
baseline
▲ 0.50% · 4.625%
HK$73,618
+HK$3,686/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$139,864/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,678
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,064
−HK$2,423/mo
Today · 4.125%
HK$81,487
baseline
▲ 0.50% · 4.625%
HK$86,445
+HK$4,958/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,974/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,304
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,592
−HK$2,321/mo
Today · 4.125%
HK$89,913
baseline
▲ 0.50% · 4.625%
HK$94,652
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,826/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,565 · Scale 2, in force from 26 Feb 2026)