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$42,625
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,951
−HK$1,347/mo
Today · 4.125%
HK$45,298
baseline
▲ 0.50% · 4.625%
HK$48,055
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,596/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,420
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,692
−HK$1,290/mo
Today · 4.125%
HK$49,982
baseline
▲ 0.50% · 4.625%
HK$52,617
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,964/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,150
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,742
−HK$1,616/mo
Today · 4.125%
HK$54,358
baseline
▲ 0.50% · 4.625%
HK$57,666
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,716/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,904
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,431
−HK$1,548/mo
Today · 4.125%
HK$59,979
baseline
▲ 0.50% · 4.625%
HK$63,140
+HK$3,161/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,958/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,676
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,532
−HK$1,886/mo
Today · 4.125%
HK$63,418
baseline
▲ 0.50% · 4.625%
HK$67,277
+HK$3,859/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,836/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,388
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,169
−HK$1,806/mo
Today · 4.125%
HK$69,975
baseline
▲ 0.50% · 4.625%
HK$73,664
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,950/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,726
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,112
−HK$2,425/mo
Today · 4.125%
HK$81,537
baseline
▲ 0.50% · 4.625%
HK$86,498
+HK$4,961/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,074/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,357
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,646
−HK$2,322/mo
Today · 4.125%
HK$89,968
baseline
▲ 0.50% · 4.625%
HK$94,710
+HK$4,742/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,936/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,997 · Scale 2, in force from 26 Feb 2026)