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$42,653
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,980
−HK$1,348/mo
Today · 4.125%
HK$45,328
baseline
▲ 0.50% · 4.625%
HK$48,086
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,656/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,451
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,723
−HK$1,291/mo
Today · 4.125%
HK$50,014
baseline
▲ 0.50% · 4.625%
HK$52,651
+HK$2,637/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,028/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,183
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,776
−HK$1,617/mo
Today · 4.125%
HK$54,393
baseline
▲ 0.50% · 4.625%
HK$57,703
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,786/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,941
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,468
−HK$1,549/mo
Today · 4.125%
HK$60,017
baseline
▲ 0.50% · 4.625%
HK$63,181
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,034/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,714
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,571
−HK$1,888/mo
Today · 4.125%
HK$63,459
baseline
▲ 0.50% · 4.625%
HK$67,320
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,918/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,431
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,213
−HK$1,807/mo
Today · 4.125%
HK$70,020
baseline
▲ 0.50% · 4.625%
HK$73,711
+HK$3,691/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,040/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,775
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,163
−HK$2,427/mo
Today · 4.125%
HK$81,590
baseline
▲ 0.50% · 4.625%
HK$86,554
+HK$4,964/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,180/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,412
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,702
−HK$2,324/mo
Today · 4.125%
HK$90,026
baseline
▲ 0.50% · 4.625%
HK$94,771
+HK$4,745/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,052/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,449 · Scale 2, in force from 26 Feb 2026)