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$42,611
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,936
−HK$1,347/mo
Today · 4.125%
HK$45,283
baseline
▲ 0.50% · 4.625%
HK$48,038
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,566/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,404
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,675
−HK$1,290/mo
Today · 4.125%
HK$49,965
baseline
▲ 0.50% · 4.625%
HK$52,599
+HK$2,634/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,930/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,133
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,723
−HK$1,616/mo
Today · 4.125%
HK$54,339
baseline
▲ 0.50% · 4.625%
HK$57,646
+HK$3,307/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,678/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,885
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,410
−HK$1,548/mo
Today · 4.125%
HK$59,958
baseline
▲ 0.50% · 4.625%
HK$63,119
+HK$3,161/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,916/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,655
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,511
−HK$1,885/mo
Today · 4.125%
HK$63,396
baseline
▲ 0.50% · 4.625%
HK$67,253
+HK$3,857/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,792/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,366
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,145
−HK$1,806/mo
Today · 4.125%
HK$69,951
baseline
▲ 0.50% · 4.625%
HK$73,638
+HK$3,687/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,902/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,699
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,085
−HK$2,424/mo
Today · 4.125%
HK$81,509
baseline
▲ 0.50% · 4.625%
HK$86,469
+HK$4,960/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,018/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,327
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,616
−HK$2,321/mo
Today · 4.125%
HK$89,937
baseline
▲ 0.50% · 4.625%
HK$94,678
+HK$4,741/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,874/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,756 · Scale 2, in force from 26 Feb 2026)