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$43,970
−HK$1,348/mo
Today · 4.125%
HK$45,318
baseline
▲ 0.50% · 4.625%
HK$48,075
+HK$2,757/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$701,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,441
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,713
−HK$1,291/mo
Today · 4.125%
HK$50,004
baseline
▲ 0.50% · 4.625%
HK$52,639
+HK$2,635/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$701,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,172
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,764
−HK$1,617/mo
Today · 4.125%
HK$54,381
baseline
▲ 0.50% · 4.625%
HK$57,690
+HK$3,309/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,762/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,929
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,456
−HK$1,548/mo
Today · 4.125%
HK$60,004
baseline
▲ 0.50% · 4.625%
HK$63,167
+HK$3,163/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,008/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,701
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,558
−HK$1,887/mo
Today · 4.125%
HK$63,445
baseline
▲ 0.50% · 4.625%
HK$67,305
+HK$3,860/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,890/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,417
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,198
−HK$1,807/mo
Today · 4.125%
HK$70,005
baseline
▲ 0.50% · 4.625%
HK$73,695
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,010/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,759
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,146
−HK$2,426/mo
Today · 4.125%
HK$81,572
baseline
▲ 0.50% · 4.625%
HK$86,535
+HK$4,963/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,144/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,393
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,683
−HK$2,324/mo
Today · 4.125%
HK$90,007
baseline
▲ 0.50% · 4.625%
HK$94,751
+HK$4,744/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,014/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,298 · Scale 2, in force from 26 Feb 2026)