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$42,601
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,926
−HK$1,347/mo
Today · 4.125%
HK$45,273
baseline
▲ 0.50% · 4.625%
HK$48,027
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,546/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,393
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,664
−HK$1,290/mo
Today · 4.125%
HK$49,954
baseline
▲ 0.50% · 4.625%
HK$52,587
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,908/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,121
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,712
−HK$1,615/mo
Today · 4.125%
HK$54,327
baseline
▲ 0.50% · 4.625%
HK$57,633
+HK$3,306/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,654/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,872
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,397
−HK$1,548/mo
Today · 4.125%
HK$59,945
baseline
▲ 0.50% · 4.625%
HK$63,104
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,890/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,642
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,497
−HK$1,885/mo
Today · 4.125%
HK$63,382
baseline
▲ 0.50% · 4.625%
HK$67,238
+HK$3,856/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$126,764/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,351
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,130
−HK$1,805/mo
Today · 4.125%
HK$69,935
baseline
▲ 0.50% · 4.625%
HK$73,622
+HK$3,687/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$139,870/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,682
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,067
−HK$2,424/mo
Today · 4.125%
HK$81,491
baseline
▲ 0.50% · 4.625%
HK$86,449
+HK$4,958/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,982/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,308
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,596
−HK$2,321/mo
Today · 4.125%
HK$89,917
baseline
▲ 0.50% · 4.625%
HK$94,657
+HK$4,740/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,834/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,598 · Scale 2, in force from 26 Feb 2026)