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$42,580
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,905
−HK$1,346/mo
Today · 4.125%
HK$45,251
baseline
▲ 0.50% · 4.625%
HK$48,004
+HK$2,753/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$700,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,370
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,641
−HK$1,289/mo
Today · 4.125%
HK$49,930
baseline
▲ 0.50% · 4.625%
HK$52,561
+HK$2,631/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$700,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,097
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,686
−HK$1,615/mo
Today · 4.125%
HK$54,301
baseline
▲ 0.50% · 4.625%
HK$57,605
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,602/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,844
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,369
−HK$1,547/mo
Today · 4.125%
HK$59,916
baseline
▲ 0.50% · 4.625%
HK$63,074
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,832/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,613
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,467
−HK$1,884/mo
Today · 4.125%
HK$63,351
baseline
▲ 0.50% · 4.625%
HK$67,206
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,702/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,318
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,097
−HK$1,804/mo
Today · 4.125%
HK$69,901
baseline
▲ 0.50% · 4.625%
HK$73,586
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,802/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,645
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,029
−HK$2,422/mo
Today · 4.125%
HK$81,451
baseline
▲ 0.50% · 4.625%
HK$86,407
+HK$4,956/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,902/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,267
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,553
−HK$2,320/mo
Today · 4.125%
HK$89,873
baseline
▲ 0.50% · 4.625%
HK$94,611
+HK$4,738/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,746/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,258 · Scale 2, in force from 26 Feb 2026)