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$42,631
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,957
−HK$1,347/mo
Today · 4.125%
HK$45,304
baseline
▲ 0.50% · 4.625%
HK$48,061
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,608/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,426
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,698
−HK$1,291/mo
Today · 4.125%
HK$49,989
baseline
▲ 0.50% · 4.625%
HK$52,624
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,978/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,157
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,748
−HK$1,617/mo
Today · 4.125%
HK$54,365
baseline
▲ 0.50% · 4.625%
HK$57,673
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,730/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,912
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,438
−HK$1,548/mo
Today · 4.125%
HK$59,986
baseline
▲ 0.50% · 4.625%
HK$63,148
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,972/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,683
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,540
−HK$1,886/mo
Today · 4.125%
HK$63,426
baseline
▲ 0.50% · 4.625%
HK$67,285
+HK$3,859/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,852/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,397
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,178
−HK$1,806/mo
Today · 4.125%
HK$69,984
baseline
▲ 0.50% · 4.625%
HK$73,673
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,968/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,735
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,122
−HK$2,425/mo
Today · 4.125%
HK$81,547
baseline
▲ 0.50% · 4.625%
HK$86,509
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,094/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,367
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,657
−HK$2,323/mo
Today · 4.125%
HK$89,980
baseline
▲ 0.50% · 4.625%
HK$94,722
+HK$4,742/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,960/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,086 · Scale 2, in force from 26 Feb 2026)