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$42,665
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,992
−HK$1,348/mo
Today · 4.125%
HK$45,340
baseline
▲ 0.50% · 4.625%
HK$48,099
+HK$2,759/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,680/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,464
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,737
−HK$1,292/mo
Today · 4.125%
HK$50,029
baseline
▲ 0.50% · 4.625%
HK$52,666
+HK$2,637/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,058/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,198
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,790
−HK$1,618/mo
Today · 4.125%
HK$54,408
baseline
▲ 0.50% · 4.625%
HK$57,719
+HK$3,311/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$108,816/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,957
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,485
−HK$1,549/mo
Today · 4.125%
HK$60,034
baseline
▲ 0.50% · 4.625%
HK$63,199
+HK$3,165/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$120,068/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,731
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,589
−HK$1,887/mo
Today · 4.125%
HK$63,476
baseline
▲ 0.50% · 4.625%
HK$67,339
+HK$3,863/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,952/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,450
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,232
−HK$1,808/mo
Today · 4.125%
HK$70,040
baseline
▲ 0.50% · 4.625%
HK$73,732
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,080/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,797
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,186
−HK$2,427/mo
Today · 4.125%
HK$81,613
baseline
▲ 0.50% · 4.625%
HK$86,579
+HK$4,966/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,226/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,436
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,727
−HK$2,324/mo
Today · 4.125%
HK$90,051
baseline
▲ 0.50% · 4.625%
HK$94,798
+HK$4,747/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,102/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,646 · Scale 2, in force from 26 Feb 2026)