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$42,671
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,998
−HK$1,349/mo
Today · 4.125%
HK$45,347
baseline
▲ 0.50% · 4.625%
HK$48,106
+HK$2,759/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,694/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,471
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,744
−HK$1,292/mo
Today · 4.125%
HK$50,036
baseline
▲ 0.50% · 4.625%
HK$52,673
+HK$2,637/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,072/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,205
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,798
−HK$1,618/mo
Today · 4.125%
HK$54,416
baseline
▲ 0.50% · 4.625%
HK$57,728
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,832/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,965
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,493
−HK$1,550/mo
Today · 4.125%
HK$60,043
baseline
▲ 0.50% · 4.625%
HK$63,208
+HK$3,165/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,086/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,740
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,598
−HK$1,888/mo
Today · 4.125%
HK$63,486
baseline
▲ 0.50% · 4.625%
HK$67,349
+HK$3,863/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,972/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,460
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,242
−HK$1,808/mo
Today · 4.125%
HK$70,050
baseline
▲ 0.50% · 4.625%
HK$73,743
+HK$3,693/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,100/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,808
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,197
−HK$2,428/mo
Today · 4.125%
HK$81,625
baseline
▲ 0.50% · 4.625%
HK$86,591
+HK$4,966/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,250/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,448
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,740
−HK$2,325/mo
Today · 4.125%
HK$90,065
baseline
▲ 0.50% · 4.625%
HK$94,812
+HK$4,747/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,130/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,750 · Scale 2, in force from 26 Feb 2026)