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$42,627
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,953
−HK$1,347/mo
Today · 4.125%
HK$45,300
baseline
▲ 0.50% · 4.625%
HK$48,057
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,600/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,422
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,694
−HK$1,290/mo
Today · 4.125%
HK$49,984
baseline
▲ 0.50% · 4.625%
HK$52,619
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,968/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,152
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,744
−HK$1,616/mo
Today · 4.125%
HK$54,360
baseline
▲ 0.50% · 4.625%
HK$57,668
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,720/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,907
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,433
−HK$1,548/mo
Today · 4.125%
HK$59,981
baseline
▲ 0.50% · 4.625%
HK$63,143
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,962/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,678
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,534
−HK$1,886/mo
Today · 4.125%
HK$63,420
baseline
▲ 0.50% · 4.625%
HK$67,279
+HK$3,859/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,840/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,391
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,172
−HK$1,806/mo
Today · 4.125%
HK$69,978
baseline
▲ 0.50% · 4.625%
HK$73,667
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,956/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,729
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,115
−HK$2,425/mo
Today · 4.125%
HK$81,540
baseline
▲ 0.50% · 4.625%
HK$86,502
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,080/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,360
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,649
−HK$2,323/mo
Today · 4.125%
HK$89,972
baseline
▲ 0.50% · 4.625%
HK$94,714
+HK$4,742/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,944/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,024 · Scale 2, in force from 26 Feb 2026)