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$42,648
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,974
−HK$1,348/mo
Today · 4.125%
HK$45,322
baseline
▲ 0.50% · 4.625%
HK$48,080
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,644/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,445
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,717
−HK$1,291/mo
Today · 4.125%
HK$50,008
baseline
▲ 0.50% · 4.625%
HK$52,644
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,016/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,177
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,769
−HK$1,617/mo
Today · 4.125%
HK$54,386
baseline
▲ 0.50% · 4.625%
HK$57,696
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,772/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,934
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,461
−HK$1,549/mo
Today · 4.125%
HK$60,010
baseline
▲ 0.50% · 4.625%
HK$63,173
+HK$3,163/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,020/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,707
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,564
−HK$1,887/mo
Today · 4.125%
HK$63,451
baseline
▲ 0.50% · 4.625%
HK$67,312
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,902/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,423
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,204
−HK$1,808/mo
Today · 4.125%
HK$70,012
baseline
▲ 0.50% · 4.625%
HK$73,702
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,024/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,766
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,153
−HK$2,426/mo
Today · 4.125%
HK$81,579
baseline
▲ 0.50% · 4.625%
HK$86,543
+HK$4,964/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,158/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,401
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,691
−HK$2,324/mo
Today · 4.125%
HK$90,015
baseline
▲ 0.50% · 4.625%
HK$94,760
+HK$4,745/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,030/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,361 · Scale 2, in force from 26 Feb 2026)