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$42,647
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,973
−HK$1,348/mo
Today · 4.125%
HK$45,321
baseline
▲ 0.50% · 4.625%
HK$48,079
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,642/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,444
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,716
−HK$1,291/mo
Today · 4.125%
HK$50,007
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,014/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,176
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,768
−HK$1,617/mo
Today · 4.125%
HK$54,385
baseline
▲ 0.50% · 4.625%
HK$57,694
+HK$3,309/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,770/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,933
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,460
−HK$1,549/mo
Today · 4.125%
HK$60,009
baseline
▲ 0.50% · 4.625%
HK$63,172
+HK$3,163/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,018/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,705
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,562
−HK$1,887/mo
Today · 4.125%
HK$63,449
baseline
▲ 0.50% · 4.625%
HK$67,310
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,898/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,422
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,203
−HK$1,807/mo
Today · 4.125%
HK$70,010
baseline
▲ 0.50% · 4.625%
HK$73,700
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,020/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,764
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,152
−HK$2,426/mo
Today · 4.125%
HK$81,578
baseline
▲ 0.50% · 4.625%
HK$86,542
+HK$4,964/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,156/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,399
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,689
−HK$2,324/mo
Today · 4.125%
HK$90,013
baseline
▲ 0.50% · 4.625%
HK$94,758
+HK$4,745/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,026/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,347 · Scale 2, in force from 26 Feb 2026)