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$42,625
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,951
−HK$1,347/mo
Today · 4.125%
HK$45,298
baseline
▲ 0.50% · 4.625%
HK$48,054
+HK$2,756/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,596/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,420
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,692
−HK$1,290/mo
Today · 4.125%
HK$49,982
baseline
▲ 0.50% · 4.625%
HK$52,616
+HK$2,634/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,964/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$700,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,150
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,741
−HK$1,616/mo
Today · 4.125%
HK$54,357
baseline
▲ 0.50% · 4.625%
HK$57,665
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,714/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,904
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,430
−HK$1,548/mo
Today · 4.125%
HK$59,978
baseline
▲ 0.50% · 4.625%
HK$63,140
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,956/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,675
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,531
−HK$1,886/mo
Today · 4.125%
HK$63,417
baseline
▲ 0.50% · 4.625%
HK$67,276
+HK$3,859/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,834/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,388
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,168
−HK$1,806/mo
Today · 4.125%
HK$69,974
baseline
▲ 0.50% · 4.625%
HK$73,663
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,948/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,725
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,112
−HK$2,424/mo
Today · 4.125%
HK$81,536
baseline
▲ 0.50% · 4.625%
HK$86,498
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,072/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,356
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,645
−HK$2,322/mo
Today · 4.125%
HK$89,967
baseline
▲ 0.50% · 4.625%
HK$94,710
+HK$4,743/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,934/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,990 · Scale 2, in force from 26 Feb 2026)