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$42,572
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,896
−HK$1,346/mo
Today · 4.125%
HK$45,242
baseline
▲ 0.50% · 4.625%
HK$47,994
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,484/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,361
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,631
−HK$1,289/mo
Today · 4.125%
HK$49,920
baseline
▲ 0.50% · 4.625%
HK$52,551
+HK$2,631/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,840/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,086
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,675
−HK$1,615/mo
Today · 4.125%
HK$54,290
baseline
▲ 0.50% · 4.625%
HK$57,593
+HK$3,303/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,580/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,833
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,357
−HK$1,547/mo
Today · 4.125%
HK$59,904
baseline
▲ 0.50% · 4.625%
HK$63,061
+HK$3,157/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,808/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,601
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,455
−HK$1,883/mo
Today · 4.125%
HK$63,338
baseline
▲ 0.50% · 4.625%
HK$67,192
+HK$3,854/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,676/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,305
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,084
−HK$1,804/mo
Today · 4.125%
HK$69,888
baseline
▲ 0.50% · 4.625%
HK$73,571
+HK$3,683/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,776/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,630
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,013
−HK$2,422/mo
Today · 4.125%
HK$81,435
baseline
▲ 0.50% · 4.625%
HK$86,390
+HK$4,955/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,870/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,250
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,536
−HK$2,319/mo
Today · 4.125%
HK$89,855
baseline
▲ 0.50% · 4.625%
HK$94,592
+HK$4,737/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,710/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,119 · Scale 2, in force from 26 Feb 2026)