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$42,633
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,959
−HK$1,347/mo
Today · 4.125%
HK$45,306
baseline
▲ 0.50% · 4.625%
HK$48,063
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,612/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,429
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,701
−HK$1,290/mo
Today · 4.125%
HK$49,991
baseline
▲ 0.50% · 4.625%
HK$52,626
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,982/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,159
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,751
−HK$1,617/mo
Today · 4.125%
HK$54,368
baseline
▲ 0.50% · 4.625%
HK$57,676
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,736/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,914
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,441
−HK$1,548/mo
Today · 4.125%
HK$59,989
baseline
▲ 0.50% · 4.625%
HK$63,151
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,978/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,686
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,542
−HK$1,887/mo
Today · 4.125%
HK$63,429
baseline
▲ 0.50% · 4.625%
HK$67,288
+HK$3,859/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,858/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,400
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,181
−HK$1,806/mo
Today · 4.125%
HK$69,987
baseline
▲ 0.50% · 4.625%
HK$73,677
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,974/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,739
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,126
−HK$2,425/mo
Today · 4.125%
HK$81,551
baseline
▲ 0.50% · 4.625%
HK$86,513
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,102/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,371
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,661
−HK$2,323/mo
Today · 4.125%
HK$89,984
baseline
▲ 0.50% · 4.625%
HK$94,727
+HK$4,743/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,968/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,119 · Scale 2, in force from 26 Feb 2026)