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$42,569
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,893
−HK$1,345/mo
Today · 4.125%
HK$45,238
baseline
▲ 0.50% · 4.625%
HK$47,991
+HK$2,753/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,476/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$700,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,358
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,628
−HK$1,288/mo
Today · 4.125%
HK$49,916
baseline
▲ 0.50% · 4.625%
HK$52,547
+HK$2,631/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,832/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$700,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,083
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,672
−HK$1,614/mo
Today · 4.125%
HK$54,286
baseline
▲ 0.50% · 4.625%
HK$57,589
+HK$3,303/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,572/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,829
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,353
−HK$1,546/mo
Today · 4.125%
HK$59,899
baseline
▲ 0.50% · 4.625%
HK$63,057
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,798/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,597
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,450
−HK$1,884/mo
Today · 4.125%
HK$63,334
baseline
▲ 0.50% · 4.625%
HK$67,188
+HK$3,854/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,668/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,301
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,079
−HK$1,804/mo
Today · 4.125%
HK$69,883
baseline
▲ 0.50% · 4.625%
HK$73,566
+HK$3,683/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,766/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,624
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,008
−HK$2,421/mo
Today · 4.125%
HK$81,429
baseline
▲ 0.50% · 4.625%
HK$86,384
+HK$4,955/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,858/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,244
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,530
−HK$2,319/mo
Today · 4.125%
HK$89,849
baseline
▲ 0.50% · 4.625%
HK$94,585
+HK$4,736/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,698/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,070 · Scale 2, in force from 26 Feb 2026)