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$42,603
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,929
−HK$1,346/mo
Today · 4.125%
HK$45,275
baseline
▲ 0.50% · 4.625%
HK$48,030
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,550/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,396
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,667
−HK$1,289/mo
Today · 4.125%
HK$49,956
baseline
▲ 0.50% · 4.625%
HK$52,590
+HK$2,634/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,912/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,124
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,714
−HK$1,616/mo
Today · 4.125%
HK$54,330
baseline
▲ 0.50% · 4.625%
HK$57,636
+HK$3,306/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,660/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,875
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,400
−HK$1,548/mo
Today · 4.125%
HK$59,948
baseline
▲ 0.50% · 4.625%
HK$63,108
+HK$3,160/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,896/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,645
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,500
−HK$1,885/mo
Today · 4.125%
HK$63,385
baseline
▲ 0.50% · 4.625%
HK$67,242
+HK$3,857/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,770/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,354
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,134
−HK$1,805/mo
Today · 4.125%
HK$69,939
baseline
▲ 0.50% · 4.625%
HK$73,626
+HK$3,687/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,878/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,686
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,071
−HK$2,424/mo
Today · 4.125%
HK$81,495
baseline
▲ 0.50% · 4.625%
HK$86,454
+HK$4,959/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$162,990/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,312
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,600
−HK$2,322/mo
Today · 4.125%
HK$89,922
baseline
▲ 0.50% · 4.625%
HK$94,661
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,844/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,634 · Scale 2, in force from 26 Feb 2026)