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$42,594
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,919
−HK$1,346/mo
Today · 4.125%
HK$45,265
baseline
▲ 0.50% · 4.625%
HK$48,019
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,530/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,385
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,656
−HK$1,289/mo
Today · 4.125%
HK$49,945
baseline
▲ 0.50% · 4.625%
HK$52,578
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,890/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,112
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,702
−HK$1,616/mo
Today · 4.125%
HK$54,318
baseline
▲ 0.50% · 4.625%
HK$57,623
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,636/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,862
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,387
−HK$1,547/mo
Today · 4.125%
HK$59,934
baseline
▲ 0.50% · 4.625%
HK$63,093
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,868/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,631
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,486
−HK$1,884/mo
Today · 4.125%
HK$63,370
baseline
▲ 0.50% · 4.625%
HK$67,226
+HK$3,856/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$126,740/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,339
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,118
−HK$1,805/mo
Today · 4.125%
HK$69,923
baseline
▲ 0.50% · 4.625%
HK$73,609
+HK$3,686/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$139,846/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,669
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,053
−HK$2,423/mo
Today · 4.125%
HK$81,476
baseline
▲ 0.50% · 4.625%
HK$86,434
+HK$4,958/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,952/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,293
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,580
−HK$2,321/mo
Today · 4.125%
HK$89,901
baseline
▲ 0.50% · 4.625%
HK$94,640
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,802/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,475 · Scale 2, in force from 26 Feb 2026)