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$42,623
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,949
−HK$1,347/mo
Today · 4.125%
HK$45,296
baseline
▲ 0.50% · 4.625%
HK$48,052
+HK$2,756/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,592/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,418
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,690
−HK$1,290/mo
Today · 4.125%
HK$49,980
baseline
▲ 0.50% · 4.625%
HK$52,614
+HK$2,634/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,960/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,148
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,739
−HK$1,616/mo
Today · 4.125%
HK$54,355
baseline
▲ 0.50% · 4.625%
HK$57,663
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,710/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,902
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,428
−HK$1,548/mo
Today · 4.125%
HK$59,976
baseline
▲ 0.50% · 4.625%
HK$63,137
+HK$3,161/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,952/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,673
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,529
−HK$1,886/mo
Today · 4.125%
HK$63,415
baseline
▲ 0.50% · 4.625%
HK$67,273
+HK$3,858/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,830/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,385
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,166
−HK$1,806/mo
Today · 4.125%
HK$69,972
baseline
▲ 0.50% · 4.625%
HK$73,660
+HK$3,688/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,944/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,722
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,108
−HK$2,425/mo
Today · 4.125%
HK$81,533
baseline
▲ 0.50% · 4.625%
HK$86,494
+HK$4,961/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,066/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,352
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,642
−HK$2,322/mo
Today · 4.125%
HK$89,964
baseline
▲ 0.50% · 4.625%
HK$94,706
+HK$4,742/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,928/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,963 · Scale 2, in force from 26 Feb 2026)