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$42,644
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,971
−HK$1,347/mo
Today · 4.125%
HK$45,318
baseline
▲ 0.50% · 4.625%
HK$48,076
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,636/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,441
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,714
−HK$1,290/mo
Today · 4.125%
HK$50,004
baseline
▲ 0.50% · 4.625%
HK$52,640
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,008/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,173
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,765
−HK$1,617/mo
Today · 4.125%
HK$54,382
baseline
▲ 0.50% · 4.625%
HK$57,691
+HK$3,309/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,764/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,930
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,456
−HK$1,549/mo
Today · 4.125%
HK$60,005
baseline
▲ 0.50% · 4.625%
HK$63,168
+HK$3,163/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,010/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,702
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,559
−HK$1,887/mo
Today · 4.125%
HK$63,446
baseline
▲ 0.50% · 4.625%
HK$67,306
+HK$3,860/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,892/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,418
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,199
−HK$1,807/mo
Today · 4.125%
HK$70,006
baseline
▲ 0.50% · 4.625%
HK$73,696
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,012/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,760
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,147
−HK$2,426/mo
Today · 4.125%
HK$81,573
baseline
▲ 0.50% · 4.625%
HK$86,537
+HK$4,964/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,146/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,394
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,684
−HK$2,324/mo
Today · 4.125%
HK$90,008
baseline
▲ 0.50% · 4.625%
HK$94,752
+HK$4,744/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,016/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,307 · Scale 2, in force from 26 Feb 2026)