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$42,636
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,962
−HK$1,347/mo
Today · 4.125%
HK$45,309
baseline
▲ 0.50% · 4.625%
HK$48,066
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,618/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,432
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,704
−HK$1,290/mo
Today · 4.125%
HK$49,994
baseline
▲ 0.50% · 4.625%
HK$52,629
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,988/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,163
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,754
−HK$1,617/mo
Today · 4.125%
HK$54,371
baseline
▲ 0.50% · 4.625%
HK$57,679
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,742/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,918
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,444
−HK$1,549/mo
Today · 4.125%
HK$59,993
baseline
▲ 0.50% · 4.625%
HK$63,155
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,986/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,690
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,546
−HK$1,887/mo
Today · 4.125%
HK$63,433
baseline
▲ 0.50% · 4.625%
HK$67,293
+HK$3,860/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,866/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,404
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,185
−HK$1,807/mo
Today · 4.125%
HK$69,992
baseline
▲ 0.50% · 4.625%
HK$73,681
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,984/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,744
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,131
−HK$2,425/mo
Today · 4.125%
HK$81,556
baseline
▲ 0.50% · 4.625%
HK$86,519
+HK$4,963/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,112/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,377
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,667
−HK$2,323/mo
Today · 4.125%
HK$89,990
baseline
▲ 0.50% · 4.625%
HK$94,733
+HK$4,743/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,980/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,164 · Scale 2, in force from 26 Feb 2026)