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$42,626
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,952
−HK$1,347/mo
Today · 4.125%
HK$45,299
baseline
▲ 0.50% · 4.625%
HK$48,056
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,598/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,421
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,693
−HK$1,290/mo
Today · 4.125%
HK$49,983
baseline
▲ 0.50% · 4.625%
HK$52,618
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,966/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,151
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,742
−HK$1,617/mo
Today · 4.125%
HK$54,359
baseline
▲ 0.50% · 4.625%
HK$57,667
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,718/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,905
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,432
−HK$1,548/mo
Today · 4.125%
HK$59,980
baseline
▲ 0.50% · 4.625%
HK$63,141
+HK$3,161/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,960/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,677
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,533
−HK$1,886/mo
Today · 4.125%
HK$63,419
baseline
▲ 0.50% · 4.625%
HK$67,278
+HK$3,859/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,838/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,390
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,170
−HK$1,806/mo
Today · 4.125%
HK$69,976
baseline
▲ 0.50% · 4.625%
HK$73,665
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,952/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,727
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,114
−HK$2,424/mo
Today · 4.125%
HK$81,538
baseline
▲ 0.50% · 4.625%
HK$86,500
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,076/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,358
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,647
−HK$2,323/mo
Today · 4.125%
HK$89,970
baseline
▲ 0.50% · 4.625%
HK$94,712
+HK$4,742/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,940/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,009 · Scale 2, in force from 26 Feb 2026)