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$42,574
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,899
−HK$1,345/mo
Today · 4.125%
HK$45,244
baseline
▲ 0.50% · 4.625%
HK$47,997
+HK$2,753/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,488/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,364
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,634
−HK$1,288/mo
Today · 4.125%
HK$49,922
baseline
▲ 0.50% · 4.625%
HK$52,554
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,844/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,089
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,678
−HK$1,615/mo
Today · 4.125%
HK$54,293
baseline
▲ 0.50% · 4.625%
HK$57,597
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,586/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,836
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,361
−HK$1,546/mo
Today · 4.125%
HK$59,907
baseline
▲ 0.50% · 4.625%
HK$63,065
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,814/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,604
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,458
−HK$1,884/mo
Today · 4.125%
HK$63,342
baseline
▲ 0.50% · 4.625%
HK$67,196
+HK$3,854/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,684/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,309
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,087
−HK$1,804/mo
Today · 4.125%
HK$69,891
baseline
▲ 0.50% · 4.625%
HK$73,576
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,782/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,634
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,018
−HK$2,422/mo
Today · 4.125%
HK$81,440
baseline
▲ 0.50% · 4.625%
HK$86,395
+HK$4,955/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,880/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,254
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,541
−HK$2,319/mo
Today · 4.125%
HK$89,860
baseline
▲ 0.50% · 4.625%
HK$94,597
+HK$4,737/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,720/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,158 · Scale 2, in force from 26 Feb 2026)