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$42,602
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,927
−HK$1,346/mo
Today · 4.125%
HK$45,273
baseline
▲ 0.50% · 4.625%
HK$48,028
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,546/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,394
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,665
−HK$1,289/mo
Today · 4.125%
HK$49,954
baseline
▲ 0.50% · 4.625%
HK$52,587
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,908/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,122
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,712
−HK$1,616/mo
Today · 4.125%
HK$54,328
baseline
▲ 0.50% · 4.625%
HK$57,633
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,656/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,873
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,398
−HK$1,547/mo
Today · 4.125%
HK$59,945
baseline
▲ 0.50% · 4.625%
HK$63,105
+HK$3,160/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,890/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,642
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,497
−HK$1,885/mo
Today · 4.125%
HK$63,382
baseline
▲ 0.50% · 4.625%
HK$67,239
+HK$3,857/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$126,764/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,351
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,131
−HK$1,805/mo
Today · 4.125%
HK$69,936
baseline
▲ 0.50% · 4.625%
HK$73,622
+HK$3,686/mo
Deposit HK$5.60M · loan HK$13.08M · min. income ≈ HK$139,872/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,683
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,068
−HK$2,423/mo
Today · 4.125%
HK$81,491
baseline
▲ 0.50% · 4.625%
HK$86,450
+HK$4,959/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,982/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,309
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,597
−HK$2,321/mo
Today · 4.125%
HK$89,918
baseline
▲ 0.50% · 4.625%
HK$94,657
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,836/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,605 · Scale 2, in force from 26 Feb 2026)