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$42,616
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,942
−HK$1,346/mo
Today · 4.125%
HK$45,288
baseline
▲ 0.50% · 4.625%
HK$48,044
+HK$2,756/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,576/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,410
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,681
−HK$1,290/mo
Today · 4.125%
HK$49,971
baseline
▲ 0.50% · 4.625%
HK$52,605
+HK$2,634/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,942/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,139
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,730
−HK$1,616/mo
Today · 4.125%
HK$54,346
baseline
▲ 0.50% · 4.625%
HK$57,653
+HK$3,307/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$108,692/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,892
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,418
−HK$1,547/mo
Today · 4.125%
HK$59,965
baseline
▲ 0.50% · 4.625%
HK$63,126
+HK$3,161/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$119,930/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,662
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,518
−HK$1,886/mo
Today · 4.125%
HK$63,404
baseline
▲ 0.50% · 4.625%
HK$67,262
+HK$3,858/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,808/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,374
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,154
−HK$1,806/mo
Today · 4.125%
HK$69,960
baseline
▲ 0.50% · 4.625%
HK$73,647
+HK$3,687/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,920/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,709
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,095
−HK$2,424/mo
Today · 4.125%
HK$81,519
baseline
▲ 0.50% · 4.625%
HK$86,479
+HK$4,960/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,038/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,338
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,626
−HK$2,322/mo
Today · 4.125%
HK$89,948
baseline
▲ 0.50% · 4.625%
HK$94,690
+HK$4,742/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,896/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,842 · Scale 2, in force from 26 Feb 2026)