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$42,613
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,939
−HK$1,347/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$48,041
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,407
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,678
−HK$1,290/mo
Today · 4.125%
HK$49,968
baseline
▲ 0.50% · 4.625%
HK$52,602
+HK$2,634/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,936/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,136
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,727
−HK$1,616/mo
Today · 4.125%
HK$54,343
baseline
▲ 0.50% · 4.625%
HK$57,649
+HK$3,306/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$108,686/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,888
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,414
−HK$1,548/mo
Today · 4.125%
HK$59,962
baseline
▲ 0.50% · 4.625%
HK$63,123
+HK$3,161/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$119,924/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,659
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,514
−HK$1,886/mo
Today · 4.125%
HK$63,400
baseline
▲ 0.50% · 4.625%
HK$67,258
+HK$3,858/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,800/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,370
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,150
−HK$1,805/mo
Today · 4.125%
HK$69,955
baseline
▲ 0.50% · 4.625%
HK$73,643
+HK$3,688/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,910/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,704
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,090
−HK$2,424/mo
Today · 4.125%
HK$81,514
baseline
▲ 0.50% · 4.625%
HK$86,474
+HK$4,960/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,028/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,333
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,621
−HK$2,322/mo
Today · 4.125%
HK$89,943
baseline
▲ 0.50% · 4.625%
HK$94,684
+HK$4,741/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,886/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,800 · Scale 2, in force from 26 Feb 2026)