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$42,593
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,918
−HK$1,346/mo
Today · 4.125%
HK$45,264
baseline
▲ 0.50% · 4.625%
HK$48,018
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,528/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,385
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,655
−HK$1,290/mo
Today · 4.125%
HK$49,945
baseline
▲ 0.50% · 4.625%
HK$52,577
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,890/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,112
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,702
−HK$1,615/mo
Today · 4.125%
HK$54,317
baseline
▲ 0.50% · 4.625%
HK$57,622
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,634/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,861
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,386
−HK$1,547/mo
Today · 4.125%
HK$59,933
baseline
▲ 0.50% · 4.625%
HK$63,093
+HK$3,160/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,866/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,631
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,485
−HK$1,885/mo
Today · 4.125%
HK$63,370
baseline
▲ 0.50% · 4.625%
HK$67,226
+HK$3,856/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$126,740/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,338
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,118
−HK$1,804/mo
Today · 4.125%
HK$69,922
baseline
▲ 0.50% · 4.625%
HK$73,608
+HK$3,686/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$139,844/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,668
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,053
−HK$2,423/mo
Today · 4.125%
HK$81,476
baseline
▲ 0.50% · 4.625%
HK$86,433
+HK$4,957/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,952/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,292
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,580
−HK$2,320/mo
Today · 4.125%
HK$89,900
baseline
▲ 0.50% · 4.625%
HK$94,639
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,800/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,468 · Scale 2, in force from 26 Feb 2026)