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$42,584
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,909
−HK$1,346/mo
Today · 4.125%
HK$45,255
baseline
▲ 0.50% · 4.625%
HK$48,008
+HK$2,753/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,510/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,375
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,645
−HK$1,289/mo
Today · 4.125%
HK$49,934
baseline
▲ 0.50% · 4.625%
HK$52,566
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,868/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,101
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,691
−HK$1,615/mo
Today · 4.125%
HK$54,306
baseline
▲ 0.50% · 4.625%
HK$57,610
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,612/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,850
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,374
−HK$1,547/mo
Today · 4.125%
HK$59,921
baseline
▲ 0.50% · 4.625%
HK$63,080
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,842/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,618
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,473
−HK$1,884/mo
Today · 4.125%
HK$63,357
baseline
▲ 0.50% · 4.625%
HK$67,212
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,714/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,325
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,103
−HK$1,805/mo
Today · 4.125%
HK$69,908
baseline
▲ 0.50% · 4.625%
HK$73,593
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,816/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,652
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,036
−HK$2,423/mo
Today · 4.125%
HK$81,459
baseline
▲ 0.50% · 4.625%
HK$86,415
+HK$4,956/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,918/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,275
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,562
−HK$2,320/mo
Today · 4.125%
HK$89,882
baseline
▲ 0.50% · 4.625%
HK$94,619
+HK$4,737/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,764/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,323 · Scale 2, in force from 26 Feb 2026)