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$42,590
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,915
−HK$1,345/mo
Today · 4.125%
HK$45,260
baseline
▲ 0.50% · 4.625%
HK$48,014
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,520/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,381
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,651
−HK$1,289/mo
Today · 4.125%
HK$49,940
baseline
▲ 0.50% · 4.625%
HK$52,573
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,880/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,108
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,697
−HK$1,616/mo
Today · 4.125%
HK$54,313
baseline
▲ 0.50% · 4.625%
HK$57,617
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,626/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,857
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,382
−HK$1,547/mo
Today · 4.125%
HK$59,929
baseline
▲ 0.50% · 4.625%
HK$63,088
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,858/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,626
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,480
−HK$1,885/mo
Today · 4.125%
HK$63,365
baseline
▲ 0.50% · 4.625%
HK$67,220
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,730/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,333
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,112
−HK$1,805/mo
Today · 4.125%
HK$69,917
baseline
▲ 0.50% · 4.625%
HK$73,602
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,834/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,662
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,046
−HK$2,423/mo
Today · 4.125%
HK$81,469
baseline
▲ 0.50% · 4.625%
HK$86,426
+HK$4,957/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,938/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,285
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,572
−HK$2,321/mo
Today · 4.125%
HK$89,893
baseline
▲ 0.50% · 4.625%
HK$94,631
+HK$4,738/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,786/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,411 · Scale 2, in force from 26 Feb 2026)