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$42,587
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,912
−HK$1,346/mo
Today · 4.125%
HK$45,258
baseline
▲ 0.50% · 4.625%
HK$48,011
+HK$2,753/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,516/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,378
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,648
−HK$1,289/mo
Today · 4.125%
HK$49,937
baseline
▲ 0.50% · 4.625%
HK$52,570
+HK$2,633/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,874/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,104
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,694
−HK$1,615/mo
Today · 4.125%
HK$54,309
baseline
▲ 0.50% · 4.625%
HK$57,614
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,618/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,853
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,378
−HK$1,547/mo
Today · 4.125%
HK$59,925
baseline
▲ 0.50% · 4.625%
HK$63,083
+HK$3,158/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,850/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,622
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,476
−HK$1,885/mo
Today · 4.125%
HK$63,361
baseline
▲ 0.50% · 4.625%
HK$67,216
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,722/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,329
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,108
−HK$1,804/mo
Today · 4.125%
HK$69,912
baseline
▲ 0.50% · 4.625%
HK$73,597
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,824/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,657
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,041
−HK$2,423/mo
Today · 4.125%
HK$81,464
baseline
▲ 0.50% · 4.625%
HK$86,421
+HK$4,957/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,928/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,280
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,567
−HK$2,320/mo
Today · 4.125%
HK$89,887
baseline
▲ 0.50% · 4.625%
HK$94,625
+HK$4,738/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,774/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,366 · Scale 2, in force from 26 Feb 2026)