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$42,645
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,972
−HK$1,348/mo
Today · 4.125%
HK$45,320
baseline
▲ 0.50% · 4.625%
HK$48,077
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,640/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,443
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,715
−HK$1,291/mo
Today · 4.125%
HK$50,006
baseline
▲ 0.50% · 4.625%
HK$52,642
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,012/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,174
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,766
−HK$1,618/mo
Today · 4.125%
HK$54,384
baseline
▲ 0.50% · 4.625%
HK$57,693
+HK$3,309/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,768/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,931
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,458
−HK$1,549/mo
Today · 4.125%
HK$60,007
baseline
▲ 0.50% · 4.625%
HK$63,170
+HK$3,163/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,014/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,704
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,561
−HK$1,886/mo
Today · 4.125%
HK$63,447
baseline
▲ 0.50% · 4.625%
HK$67,308
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,894/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,420
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,201
−HK$1,807/mo
Today · 4.125%
HK$70,008
baseline
▲ 0.50% · 4.625%
HK$73,698
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,016/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,762
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,149
−HK$2,426/mo
Today · 4.125%
HK$81,575
baseline
▲ 0.50% · 4.625%
HK$86,539
+HK$4,964/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,150/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,397
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,687
−HK$2,323/mo
Today · 4.125%
HK$90,010
baseline
▲ 0.50% · 4.625%
HK$94,755
+HK$4,745/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,020/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,326 · Scale 2, in force from 26 Feb 2026)