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$2,671/mo
▼ 0.25% · 3.875%
HK$43,915
−HK$1,346/mo
Today · 4.125%
HK$45,261
baseline
▲ 0.50% · 4.625%
HK$48,015
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,522/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,381
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,652
−HK$1,289/mo
Today · 4.125%
HK$49,941
baseline
▲ 0.50% · 4.625%
HK$52,574
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,882/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,108
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,698
−HK$1,615/mo
Today · 4.125%
HK$54,313
baseline
▲ 0.50% · 4.625%
HK$57,618
+HK$3,305/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$700,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,858
−HK$3,071/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$700,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,626
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,481
−HK$1,885/mo
Today · 4.125%
HK$63,366
baseline
▲ 0.50% · 4.625%
HK$67,221
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,732/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,334
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,113
−HK$1,805/mo
Today · 4.125%
HK$69,918
baseline
▲ 0.50% · 4.625%
HK$73,603
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,836/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,663
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,047
−HK$2,423/mo
Today · 4.125%
HK$81,470
baseline
▲ 0.50% · 4.625%
HK$86,427
+HK$4,957/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,940/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,286
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,574
−HK$2,320/mo
Today · 4.125%
HK$89,894
baseline
▲ 0.50% · 4.625%
HK$94,633
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,788/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,421 · Scale 2, in force from 26 Feb 2026)