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$42,668
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,996
−HK$1,348/mo
Today · 4.125%
HK$45,344
baseline
▲ 0.50% · 4.625%
HK$48,103
+HK$2,759/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,688/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,468
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,741
−HK$1,292/mo
Today · 4.125%
HK$50,033
baseline
▲ 0.50% · 4.625%
HK$52,670
+HK$2,637/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,066/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,202
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,795
−HK$1,618/mo
Today · 4.125%
HK$54,413
baseline
▲ 0.50% · 4.625%
HK$57,724
+HK$3,311/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$108,826/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,962
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,489
−HK$1,550/mo
Today · 4.125%
HK$60,039
baseline
▲ 0.50% · 4.625%
HK$63,204
+HK$3,165/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$120,078/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,736
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,594
−HK$1,888/mo
Today · 4.125%
HK$63,482
baseline
▲ 0.50% · 4.625%
HK$67,344
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,964/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,455
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,238
−HK$1,808/mo
Today · 4.125%
HK$70,046
baseline
▲ 0.50% · 4.625%
HK$73,738
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,092/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,803
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,192
−HK$2,427/mo
Today · 4.125%
HK$81,619
baseline
▲ 0.50% · 4.625%
HK$86,586
+HK$4,967/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,238/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,443
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,734
−HK$2,325/mo
Today · 4.125%
HK$90,059
baseline
▲ 0.50% · 4.625%
HK$94,806
+HK$4,747/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,118/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,704 · Scale 2, in force from 26 Feb 2026)