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$42,581
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,906
−HK$1,345/mo
Today · 4.125%
HK$45,251
baseline
▲ 0.50% · 4.625%
HK$48,005
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,502/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,371
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,642
−HK$1,288/mo
Today · 4.125%
HK$49,930
baseline
▲ 0.50% · 4.625%
HK$52,562
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,860/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,097
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,687
−HK$1,615/mo
Today · 4.125%
HK$54,302
baseline
▲ 0.50% · 4.625%
HK$57,606
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,604/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,845
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,370
−HK$1,547/mo
Today · 4.125%
HK$59,917
baseline
▲ 0.50% · 4.625%
HK$63,075
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,834/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,614
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,468
−HK$1,884/mo
Today · 4.125%
HK$63,352
baseline
▲ 0.50% · 4.625%
HK$67,207
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,704/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,320
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,098
−HK$1,805/mo
Today · 4.125%
HK$69,903
baseline
▲ 0.50% · 4.625%
HK$73,587
+HK$3,684/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,806/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,646
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,030
−HK$2,423/mo
Today · 4.125%
HK$81,453
baseline
▲ 0.50% · 4.625%
HK$86,409
+HK$4,956/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,906/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,268
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,555
−HK$2,320/mo
Today · 4.125%
HK$89,875
baseline
▲ 0.50% · 4.625%
HK$94,612
+HK$4,737/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,750/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,270 · Scale 2, in force from 26 Feb 2026)