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$42,592
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,917
−HK$1,346/mo
Today · 4.125%
HK$45,263
baseline
▲ 0.50% · 4.625%
HK$48,017
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,526/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,383
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,654
−HK$1,289/mo
Today · 4.125%
HK$49,943
baseline
▲ 0.50% · 4.625%
HK$52,576
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,886/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,111
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,700
−HK$1,616/mo
Today · 4.125%
HK$54,316
baseline
▲ 0.50% · 4.625%
HK$57,621
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,632/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,860
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,385
−HK$1,547/mo
Today · 4.125%
HK$59,932
baseline
▲ 0.50% · 4.625%
HK$63,091
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,864/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,629
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,484
−HK$1,884/mo
Today · 4.125%
HK$63,368
baseline
▲ 0.50% · 4.625%
HK$67,224
+HK$3,856/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$126,736/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,337
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,116
−HK$1,805/mo
Today · 4.125%
HK$69,921
baseline
▲ 0.50% · 4.625%
HK$73,606
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$139,842/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,666
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,051
−HK$2,422/mo
Today · 4.125%
HK$81,473
baseline
▲ 0.50% · 4.625%
HK$86,431
+HK$4,958/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,946/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,290
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,577
−HK$2,321/mo
Today · 4.125%
HK$89,898
baseline
▲ 0.50% · 4.625%
HK$94,636
+HK$4,738/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,796/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,450 · Scale 2, in force from 26 Feb 2026)