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$42,664
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,992
−HK$1,348/mo
Today · 4.125%
HK$45,340
baseline
▲ 0.50% · 4.625%
HK$48,099
+HK$2,759/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,680/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,464
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,737
−HK$1,291/mo
Today · 4.125%
HK$50,028
baseline
▲ 0.50% · 4.625%
HK$52,665
+HK$2,637/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,056/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,197
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,790
−HK$1,618/mo
Today · 4.125%
HK$54,408
baseline
▲ 0.50% · 4.625%
HK$57,718
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$108,816/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,957
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,484
−HK$1,550/mo
Today · 4.125%
HK$60,034
baseline
▲ 0.50% · 4.625%
HK$63,198
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$120,068/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,730
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,588
−HK$1,888/mo
Today · 4.125%
HK$63,476
baseline
▲ 0.50% · 4.625%
HK$67,338
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,952/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,449
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,231
−HK$1,808/mo
Today · 4.125%
HK$70,039
baseline
▲ 0.50% · 4.625%
HK$73,731
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,078/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,796
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,185
−HK$2,427/mo
Today · 4.125%
HK$81,612
baseline
▲ 0.50% · 4.625%
HK$86,578
+HK$4,966/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,224/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,435
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,726
−HK$2,325/mo
Today · 4.125%
HK$90,051
baseline
▲ 0.50% · 4.625%
HK$94,797
+HK$4,746/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,102/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,639 · Scale 2, in force from 26 Feb 2026)