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$42,677
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,004
−HK$1,349/mo
Today · 4.125%
HK$45,353
baseline
▲ 0.50% · 4.625%
HK$48,113
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,706/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,478
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,751
−HK$1,292/mo
Today · 4.125%
HK$50,043
baseline
▲ 0.50% · 4.625%
HK$52,680
+HK$2,637/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,086/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,212
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,805
−HK$1,619/mo
Today · 4.125%
HK$54,424
baseline
▲ 0.50% · 4.625%
HK$57,735
+HK$3,311/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,848/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,973
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,501
−HK$1,550/mo
Today · 4.125%
HK$60,051
baseline
▲ 0.50% · 4.625%
HK$63,217
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,102/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,748
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,606
−HK$1,888/mo
Today · 4.125%
HK$63,494
baseline
▲ 0.50% · 4.625%
HK$67,358
+HK$3,864/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,988/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,469
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,251
−HK$1,809/mo
Today · 4.125%
HK$70,060
baseline
▲ 0.50% · 4.625%
HK$73,753
+HK$3,693/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,120/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,818
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,208
−HK$2,428/mo
Today · 4.125%
HK$81,636
baseline
▲ 0.50% · 4.625%
HK$86,603
+HK$4,967/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,272/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,460
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,752
−HK$2,325/mo
Today · 4.125%
HK$90,077
baseline
▲ 0.50% · 4.625%
HK$94,825
+HK$4,748/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,154/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,844 · Scale 2, in force from 26 Feb 2026)