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$42,594
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,919
−HK$1,346/mo
Today · 4.125%
HK$45,265
baseline
▲ 0.50% · 4.625%
HK$48,020
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,530/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,386
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,657
−HK$1,289/mo
Today · 4.125%
HK$49,946
baseline
▲ 0.50% · 4.625%
HK$52,579
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,892/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,113
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,703
−HK$1,615/mo
Today · 4.125%
HK$54,318
baseline
▲ 0.50% · 4.625%
HK$57,624
+HK$3,306/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,636/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,863
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,388
−HK$1,547/mo
Today · 4.125%
HK$59,935
baseline
▲ 0.50% · 4.625%
HK$63,094
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,870/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,632
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,487
−HK$1,885/mo
Today · 4.125%
HK$63,372
baseline
▲ 0.50% · 4.625%
HK$67,228
+HK$3,856/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$126,744/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,340
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,119
−HK$1,805/mo
Today · 4.125%
HK$69,924
baseline
▲ 0.50% · 4.625%
HK$73,610
+HK$3,686/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$139,848/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,670
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,055
−HK$2,423/mo
Today · 4.125%
HK$81,478
baseline
▲ 0.50% · 4.625%
HK$86,435
+HK$4,957/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,956/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,294
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,582
−HK$2,321/mo
Today · 4.125%
HK$89,903
baseline
▲ 0.50% · 4.625%
HK$94,642
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,806/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,487 · Scale 2, in force from 26 Feb 2026)