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$42,684
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,012
−HK$1,349/mo
Today · 4.125%
HK$45,361
baseline
▲ 0.50% · 4.625%
HK$48,121
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,722/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,486
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,760
−HK$1,291/mo
Today · 4.125%
HK$50,051
baseline
▲ 0.50% · 4.625%
HK$52,690
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,102/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,221
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,815
−HK$1,618/mo
Today · 4.125%
HK$54,433
baseline
▲ 0.50% · 4.625%
HK$57,745
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,866/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,983
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,511
−HK$1,551/mo
Today · 4.125%
HK$60,062
baseline
▲ 0.50% · 4.625%
HK$63,228
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,124/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,758
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,617
−HK$1,889/mo
Today · 4.125%
HK$63,506
baseline
▲ 0.50% · 4.625%
HK$67,370
+HK$3,864/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,012/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,480
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,263
−HK$1,809/mo
Today · 4.125%
HK$70,072
baseline
▲ 0.50% · 4.625%
HK$73,766
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,144/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,832
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,222
−HK$2,428/mo
Today · 4.125%
HK$81,650
baseline
▲ 0.50% · 4.625%
HK$86,618
+HK$4,968/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,300/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,475
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,767
−HK$2,326/mo
Today · 4.125%
HK$90,093
baseline
▲ 0.50% · 4.625%
HK$94,842
+HK$4,749/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,186/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,968 · Scale 2, in force from 26 Feb 2026)