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$42,629
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,955
−HK$1,347/mo
Today · 4.125%
HK$45,302
baseline
▲ 0.50% · 4.625%
HK$48,059
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,604/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,424
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,696
−HK$1,291/mo
Today · 4.125%
HK$49,987
baseline
▲ 0.50% · 4.625%
HK$52,622
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,974/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,155
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,746
−HK$1,617/mo
Today · 4.125%
HK$54,363
baseline
▲ 0.50% · 4.625%
HK$57,671
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,726/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,909
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,436
−HK$1,548/mo
Today · 4.125%
HK$59,984
baseline
▲ 0.50% · 4.625%
HK$63,146
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,968/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,681
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,537
−HK$1,886/mo
Today · 4.125%
HK$63,423
baseline
▲ 0.50% · 4.625%
HK$67,282
+HK$3,859/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,846/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,394
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,175
−HK$1,806/mo
Today · 4.125%
HK$69,981
baseline
▲ 0.50% · 4.625%
HK$73,670
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,962/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,732
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,119
−HK$2,425/mo
Today · 4.125%
HK$81,544
baseline
▲ 0.50% · 4.625%
HK$86,506
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,088/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,364
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,653
−HK$2,323/mo
Today · 4.125%
HK$89,976
baseline
▲ 0.50% · 4.625%
HK$94,719
+HK$4,743/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,952/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,058 · Scale 2, in force from 26 Feb 2026)