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$42,659
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,986
−HK$1,349/mo
Today · 4.125%
HK$45,335
baseline
▲ 0.50% · 4.625%
HK$48,093
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,670/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,458
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,731
−HK$1,291/mo
Today · 4.125%
HK$50,022
baseline
▲ 0.50% · 4.625%
HK$52,659
+HK$2,637/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,044/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,191
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,784
−HK$1,617/mo
Today · 4.125%
HK$54,401
baseline
▲ 0.50% · 4.625%
HK$57,712
+HK$3,311/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,802/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,950
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,477
−HK$1,550/mo
Today · 4.125%
HK$60,027
baseline
▲ 0.50% · 4.625%
HK$63,191
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,054/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,723
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,581
−HK$1,887/mo
Today · 4.125%
HK$63,468
baseline
▲ 0.50% · 4.625%
HK$67,330
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,936/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,441
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,223
−HK$1,808/mo
Today · 4.125%
HK$70,031
baseline
▲ 0.50% · 4.625%
HK$73,722
+HK$3,691/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,062/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,787
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,175
−HK$2,427/mo
Today · 4.125%
HK$81,602
baseline
▲ 0.50% · 4.625%
HK$86,567
+HK$4,965/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,204/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,425
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,716
−HK$2,324/mo
Today · 4.125%
HK$90,040
baseline
▲ 0.50% · 4.625%
HK$94,786
+HK$4,746/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,080/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,557 · Scale 2, in force from 26 Feb 2026)