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$42,608
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,933
−HK$1,347/mo
Today · 4.125%
HK$45,280
baseline
▲ 0.50% · 4.625%
HK$48,035
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,560/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,401
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,290/mo
Today · 4.125%
HK$49,962
baseline
▲ 0.50% · 4.625%
HK$52,595
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,924/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,129
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,720
−HK$1,615/mo
Today · 4.125%
HK$54,335
baseline
▲ 0.50% · 4.625%
HK$57,642
+HK$3,307/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,670/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,881
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,406
−HK$1,548/mo
Today · 4.125%
HK$59,954
baseline
▲ 0.50% · 4.625%
HK$63,114
+HK$3,160/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,908/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,651
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,506
−HK$1,885/mo
Today · 4.125%
HK$63,391
baseline
▲ 0.50% · 4.625%
HK$67,249
+HK$3,858/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,782/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,361
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,141
−HK$1,805/mo
Today · 4.125%
HK$69,946
baseline
▲ 0.50% · 4.625%
HK$73,633
+HK$3,687/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,892/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,694
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,079
−HK$2,424/mo
Today · 4.125%
HK$81,503
baseline
▲ 0.50% · 4.625%
HK$86,462
+HK$4,959/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,006/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,321
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,609
−HK$2,322/mo
Today · 4.125%
HK$89,931
baseline
▲ 0.50% · 4.625%
HK$94,671
+HK$4,740/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,862/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,706 · Scale 2, in force from 26 Feb 2026)