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$42,682
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,009
−HK$1,349/mo
Today · 4.125%
HK$45,358
baseline
▲ 0.50% · 4.625%
HK$48,118
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,716/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,483
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,756
−HK$1,292/mo
Today · 4.125%
HK$50,048
baseline
▲ 0.50% · 4.625%
HK$52,686
+HK$2,638/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,096/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,218
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,811
−HK$1,619/mo
Today · 4.125%
HK$54,430
baseline
▲ 0.50% · 4.625%
HK$57,742
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,860/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,979
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,508
−HK$1,550/mo
Today · 4.125%
HK$60,058
baseline
▲ 0.50% · 4.625%
HK$63,223
+HK$3,165/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,116/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,754
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,613
−HK$1,888/mo
Today · 4.125%
HK$63,501
baseline
▲ 0.50% · 4.625%
HK$67,365
+HK$3,864/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,002/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,476
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,259
−HK$1,808/mo
Today · 4.125%
HK$70,067
baseline
▲ 0.50% · 4.625%
HK$73,761
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,134/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,827
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,217
−HK$2,428/mo
Today · 4.125%
HK$81,645
baseline
▲ 0.50% · 4.625%
HK$86,612
+HK$4,967/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,290/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,469
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,761
−HK$2,326/mo
Today · 4.125%
HK$90,087
baseline
▲ 0.50% · 4.625%
HK$94,835
+HK$4,748/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,174/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,921 · Scale 2, in force from 26 Feb 2026)