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$42,591
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,915
−HK$1,346/mo
Today · 4.125%
HK$45,261
baseline
▲ 0.50% · 4.625%
HK$48,015
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,522/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,382
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,652
−HK$1,290/mo
Today · 4.125%
HK$49,942
baseline
▲ 0.50% · 4.625%
HK$52,574
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,884/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,109
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,698
−HK$1,616/mo
Today · 4.125%
HK$54,314
baseline
▲ 0.50% · 4.625%
HK$57,619
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,628/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,858
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,383
−HK$1,547/mo
Today · 4.125%
HK$59,930
baseline
▲ 0.50% · 4.625%
HK$63,089
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,860/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,627
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,482
−HK$1,884/mo
Today · 4.125%
HK$63,366
baseline
▲ 0.50% · 4.625%
HK$67,222
+HK$3,856/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,732/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,334
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,113
−HK$1,805/mo
Today · 4.125%
HK$69,918
baseline
▲ 0.50% · 4.625%
HK$73,604
+HK$3,686/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,836/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,663
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,048
−HK$2,423/mo
Today · 4.125%
HK$81,471
baseline
▲ 0.50% · 4.625%
HK$86,428
+HK$4,957/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,942/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,287
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,574
−HK$2,321/mo
Today · 4.125%
HK$89,895
baseline
▲ 0.50% · 4.625%
HK$94,633
+HK$4,738/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,790/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,425 · Scale 2, in force from 26 Feb 2026)