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$42,565
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,889
−HK$1,346/mo
Today · 4.125%
HK$45,235
baseline
▲ 0.50% · 4.625%
HK$47,987
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,470/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$700,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,354
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,624
−HK$1,288/mo
Today · 4.125%
HK$49,912
baseline
▲ 0.50% · 4.625%
HK$52,543
+HK$2,631/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,824/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$700,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,078
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,667
−HK$1,615/mo
Today · 4.125%
HK$54,282
baseline
▲ 0.50% · 4.625%
HK$57,584
+HK$3,302/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,564/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,824
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,348
−HK$1,546/mo
Today · 4.125%
HK$59,894
baseline
▲ 0.50% · 4.625%
HK$63,051
+HK$3,157/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,788/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,592
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,445
−HK$1,883/mo
Today · 4.125%
HK$63,328
baseline
▲ 0.50% · 4.625%
HK$67,182
+HK$3,854/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,656/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,295
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,073
−HK$1,804/mo
Today · 4.125%
HK$69,877
baseline
▲ 0.50% · 4.625%
HK$73,560
+HK$3,683/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,754/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,618
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$79,001
−HK$2,421/mo
Today · 4.125%
HK$81,422
baseline
▲ 0.50% · 4.625%
HK$86,377
+HK$4,955/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,844/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,236
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,522
−HK$2,320/mo
Today · 4.125%
HK$89,842
baseline
▲ 0.50% · 4.625%
HK$94,577
+HK$4,735/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,684/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,011 · Scale 2, in force from 26 Feb 2026)