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$42,610
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,936
−HK$1,346/mo
Today · 4.125%
HK$45,282
baseline
▲ 0.50% · 4.625%
HK$48,038
+HK$2,756/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,564/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,403
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,675
−HK$1,289/mo
Today · 4.125%
HK$49,964
baseline
▲ 0.50% · 4.625%
HK$52,598
+HK$2,634/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,928/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,132
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,723
−HK$1,616/mo
Today · 4.125%
HK$54,339
baseline
▲ 0.50% · 4.625%
HK$57,645
+HK$3,306/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,678/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,884
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,410
−HK$1,547/mo
Today · 4.125%
HK$59,957
baseline
▲ 0.50% · 4.625%
HK$63,118
+HK$3,161/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,914/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,654
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,510
−HK$1,885/mo
Today · 4.125%
HK$63,395
baseline
▲ 0.50% · 4.625%
HK$67,253
+HK$3,858/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,790/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,365
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,145
−HK$1,805/mo
Today · 4.125%
HK$69,950
baseline
▲ 0.50% · 4.625%
HK$73,637
+HK$3,687/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,900/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,698
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,084
−HK$2,424/mo
Today · 4.125%
HK$81,508
baseline
▲ 0.50% · 4.625%
HK$86,468
+HK$4,960/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,016/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,326
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,615
−HK$2,321/mo
Today · 4.125%
HK$89,936
baseline
▲ 0.50% · 4.625%
HK$94,677
+HK$4,741/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,872/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,747 · Scale 2, in force from 26 Feb 2026)