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$42,586
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,910
−HK$1,346/mo
Today · 4.125%
HK$45,256
baseline
▲ 0.50% · 4.625%
HK$48,010
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,512/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,376
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,647
−HK$1,289/mo
Today · 4.125%
HK$49,936
baseline
▲ 0.50% · 4.625%
HK$52,568
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,872/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,103
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,692
−HK$1,615/mo
Today · 4.125%
HK$54,307
baseline
▲ 0.50% · 4.625%
HK$57,612
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,614/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,851
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,376
−HK$1,547/mo
Today · 4.125%
HK$59,923
baseline
▲ 0.50% · 4.625%
HK$63,082
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,846/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,620
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,475
−HK$1,884/mo
Today · 4.125%
HK$63,359
baseline
▲ 0.50% · 4.625%
HK$67,214
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,718/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,327
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,106
−HK$1,804/mo
Today · 4.125%
HK$69,910
baseline
▲ 0.50% · 4.625%
HK$73,595
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,820/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,654
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,039
−HK$2,422/mo
Today · 4.125%
HK$81,461
baseline
▲ 0.50% · 4.625%
HK$86,418
+HK$4,957/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,922/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,277
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,564
−HK$2,320/mo
Today · 4.125%
HK$89,884
baseline
▲ 0.50% · 4.625%
HK$94,622
+HK$4,738/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,768/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,345 · Scale 2, in force from 26 Feb 2026)