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$42,682
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,010
−HK$1,349/mo
Today · 4.125%
HK$45,359
baseline
▲ 0.50% · 4.625%
HK$48,119
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,718/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,483
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,757
−HK$1,292/mo
Today · 4.125%
HK$50,049
baseline
▲ 0.50% · 4.625%
HK$52,687
+HK$2,638/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,098/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,219
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,812
−HK$1,618/mo
Today · 4.125%
HK$54,430
baseline
▲ 0.50% · 4.625%
HK$57,742
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,860/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,980
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,508
−HK$1,551/mo
Today · 4.125%
HK$60,059
baseline
▲ 0.50% · 4.625%
HK$63,224
+HK$3,165/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,118/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,755
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,614
−HK$1,888/mo
Today · 4.125%
HK$63,502
baseline
▲ 0.50% · 4.625%
HK$67,366
+HK$3,864/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,004/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,477
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,260
−HK$1,808/mo
Today · 4.125%
HK$70,068
baseline
▲ 0.50% · 4.625%
HK$73,762
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,136/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,828
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,218
−HK$2,428/mo
Today · 4.125%
HK$81,646
baseline
▲ 0.50% · 4.625%
HK$86,614
+HK$4,968/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,292/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,470
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,763
−HK$2,325/mo
Today · 4.125%
HK$90,088
baseline
▲ 0.50% · 4.625%
HK$94,837
+HK$4,749/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,176/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,931 · Scale 2, in force from 26 Feb 2026)