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$42,637
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,963
−HK$1,348/mo
Today · 4.125%
HK$45,311
baseline
▲ 0.50% · 4.625%
HK$48,068
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,622/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,433
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,705
−HK$1,291/mo
Today · 4.125%
HK$49,996
baseline
▲ 0.50% · 4.625%
HK$52,631
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,992/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,164
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,756
−HK$1,617/mo
Today · 4.125%
HK$54,373
baseline
▲ 0.50% · 4.625%
HK$57,681
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,746/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,920
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,446
−HK$1,549/mo
Today · 4.125%
HK$59,995
baseline
▲ 0.50% · 4.625%
HK$63,157
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,990/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,692
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,548
−HK$1,887/mo
Today · 4.125%
HK$63,435
baseline
▲ 0.50% · 4.625%
HK$67,295
+HK$3,860/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,870/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,406
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,187
−HK$1,807/mo
Today · 4.125%
HK$69,994
baseline
▲ 0.50% · 4.625%
HK$73,684
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,988/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,747
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,134
−HK$2,425/mo
Today · 4.125%
HK$81,559
baseline
▲ 0.50% · 4.625%
HK$86,522
+HK$4,963/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,118/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,380
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,670
−HK$2,323/mo
Today · 4.125%
HK$89,993
baseline
▲ 0.50% · 4.625%
HK$94,736
+HK$4,743/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,986/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,187 · Scale 2, in force from 26 Feb 2026)