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$42,643
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,970
−HK$1,347/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$48,075
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,440
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,712
−HK$1,291/mo
Today · 4.125%
HK$50,003
baseline
▲ 0.50% · 4.625%
HK$52,639
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,006/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,172
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,764
−HK$1,617/mo
Today · 4.125%
HK$54,381
baseline
▲ 0.50% · 4.625%
HK$57,690
+HK$3,309/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,762/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,928
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,455
−HK$1,549/mo
Today · 4.125%
HK$60,004
baseline
▲ 0.50% · 4.625%
HK$63,167
+HK$3,163/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,008/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,701
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,558
−HK$1,886/mo
Today · 4.125%
HK$63,444
baseline
▲ 0.50% · 4.625%
HK$67,305
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,888/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,416
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,197
−HK$1,808/mo
Today · 4.125%
HK$70,005
baseline
▲ 0.50% · 4.625%
HK$73,695
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,010/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,758
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,145
−HK$2,426/mo
Today · 4.125%
HK$81,571
baseline
▲ 0.50% · 4.625%
HK$86,535
+HK$4,964/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,142/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,392
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,682
−HK$2,324/mo
Today · 4.125%
HK$90,006
baseline
▲ 0.50% · 4.625%
HK$94,750
+HK$4,744/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,012/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,291 · Scale 2, in force from 26 Feb 2026)