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$42,617
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,943
−HK$1,347/mo
Today · 4.125%
HK$45,290
baseline
▲ 0.50% · 4.625%
HK$48,045
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,580/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,411
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,683
−HK$1,290/mo
Today · 4.125%
HK$49,973
baseline
▲ 0.50% · 4.625%
HK$52,607
+HK$2,634/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,946/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,140
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,731
−HK$1,616/mo
Today · 4.125%
HK$54,347
baseline
▲ 0.50% · 4.625%
HK$57,654
+HK$3,307/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$108,694/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,893
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,419
−HK$1,548/mo
Today · 4.125%
HK$59,967
baseline
▲ 0.50% · 4.625%
HK$63,128
+HK$3,161/mo
Deposit HK$7.48M · loan HK$11.21M · min. income ≈ HK$119,934/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,664
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,520
−HK$1,885/mo
Today · 4.125%
HK$63,405
baseline
▲ 0.50% · 4.625%
HK$67,263
+HK$3,858/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,810/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,375
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,156
−HK$1,806/mo
Today · 4.125%
HK$69,962
baseline
▲ 0.50% · 4.625%
HK$73,649
+HK$3,687/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,924/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,711
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,097
−HK$2,424/mo
Today · 4.125%
HK$81,521
baseline
▲ 0.50% · 4.625%
HK$86,482
+HK$4,961/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,042/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,340
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,629
−HK$2,322/mo
Today · 4.125%
HK$89,951
baseline
▲ 0.50% · 4.625%
HK$94,692
+HK$4,741/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,902/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,860 · Scale 2, in force from 26 Feb 2026)