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$42,576
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,901
−HK$1,345/mo
Today · 4.125%
HK$45,246
baseline
▲ 0.50% · 4.625%
HK$47,999
+HK$2,753/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,492/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,366
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,636
−HK$1,289/mo
Today · 4.125%
HK$49,925
baseline
▲ 0.50% · 4.625%
HK$52,556
+HK$2,631/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,850/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,092
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,681
−HK$1,614/mo
Today · 4.125%
HK$54,295
baseline
▲ 0.50% · 4.625%
HK$57,599
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,590/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,839
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,363
−HK$1,547/mo
Today · 4.125%
HK$59,910
baseline
▲ 0.50% · 4.625%
HK$63,068
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,820/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,607
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,461
−HK$1,884/mo
Today · 4.125%
HK$63,345
baseline
▲ 0.50% · 4.625%
HK$67,199
+HK$3,854/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,690/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,312
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,090
−HK$1,805/mo
Today · 4.125%
HK$69,895
baseline
▲ 0.50% · 4.625%
HK$73,579
+HK$3,684/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,790/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,637
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,021
−HK$2,422/mo
Today · 4.125%
HK$81,443
baseline
▲ 0.50% · 4.625%
HK$86,399
+HK$4,956/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,886/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,258
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,545
−HK$2,319/mo
Today · 4.125%
HK$89,864
baseline
▲ 0.50% · 4.625%
HK$94,601
+HK$4,737/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,728/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,189 · Scale 2, in force from 26 Feb 2026)