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$42,672
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,000
−HK$1,348/mo
Today · 4.125%
HK$45,348
baseline
▲ 0.50% · 4.625%
HK$48,107
+HK$2,759/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,696/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,472
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,746
−HK$1,291/mo
Today · 4.125%
HK$50,037
baseline
▲ 0.50% · 4.625%
HK$52,675
+HK$2,638/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,074/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,207
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,799
−HK$1,619/mo
Today · 4.125%
HK$54,418
baseline
▲ 0.50% · 4.625%
HK$57,729
+HK$3,311/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,836/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,967
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,495
−HK$1,550/mo
Today · 4.125%
HK$60,045
baseline
▲ 0.50% · 4.625%
HK$63,210
+HK$3,165/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,090/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,741
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,599
−HK$1,888/mo
Today · 4.125%
HK$63,487
baseline
▲ 0.50% · 4.625%
HK$67,350
+HK$3,863/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,974/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,461
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,244
−HK$1,808/mo
Today · 4.125%
HK$70,052
baseline
▲ 0.50% · 4.625%
HK$73,745
+HK$3,693/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,104/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,810
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,199
−HK$2,428/mo
Today · 4.125%
HK$81,627
baseline
▲ 0.50% · 4.625%
HK$86,593
+HK$4,966/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,254/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,450
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,742
−HK$2,325/mo
Today · 4.125%
HK$90,067
baseline
▲ 0.50% · 4.625%
HK$94,814
+HK$4,747/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,134/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,766 · Scale 2, in force from 26 Feb 2026)