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$42,654
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,981
−HK$1,348/mo
Today · 4.125%
HK$45,329
baseline
▲ 0.50% · 4.625%
HK$48,087
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,658/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,452
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,725
−HK$1,291/mo
Today · 4.125%
HK$50,016
baseline
▲ 0.50% · 4.625%
HK$52,652
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,032/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,185
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,777
−HK$1,618/mo
Today · 4.125%
HK$54,395
baseline
▲ 0.50% · 4.625%
HK$57,704
+HK$3,309/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,790/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,943
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,470
−HK$1,549/mo
Today · 4.125%
HK$60,019
baseline
▲ 0.50% · 4.625%
HK$63,183
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,038/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,716
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,573
−HK$1,887/mo
Today · 4.125%
HK$63,460
baseline
▲ 0.50% · 4.625%
HK$67,322
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,920/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,433
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,215
−HK$1,807/mo
Today · 4.125%
HK$70,022
baseline
▲ 0.50% · 4.625%
HK$73,713
+HK$3,691/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,044/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,777
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,166
−HK$2,426/mo
Today · 4.125%
HK$81,592
baseline
▲ 0.50% · 4.625%
HK$86,557
+HK$4,965/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,184/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,414
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,705
−HK$2,324/mo
Today · 4.125%
HK$90,029
baseline
▲ 0.50% · 4.625%
HK$94,774
+HK$4,745/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,058/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,469 · Scale 2, in force from 26 Feb 2026)