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$2,675/mo
▼ 0.25% · 3.875%
HK$43,995
−HK$1,348/mo
Today · 4.125%
HK$45,343
baseline
▲ 0.50% · 4.625%
HK$48,102
+HK$2,759/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,686/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,467
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,741
−HK$1,291/mo
Today · 4.125%
HK$50,032
baseline
▲ 0.50% · 4.625%
HK$52,669
+HK$2,637/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,064/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,201
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,794
−HK$1,618/mo
Today · 4.125%
HK$54,412
baseline
▲ 0.50% · 4.625%
HK$57,723
+HK$3,311/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$108,824/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,961
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,489
−HK$1,549/mo
Today · 4.125%
HK$60,038
baseline
▲ 0.50% · 4.625%
HK$63,203
+HK$3,165/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$120,076/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,735
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,593
−HK$1,888/mo
Today · 4.125%
HK$63,481
baseline
▲ 0.50% · 4.625%
HK$67,343
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,962/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,454
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,237
−HK$1,808/mo
Today · 4.125%
HK$70,045
baseline
▲ 0.50% · 4.625%
HK$73,737
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,090/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,802
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,191
−HK$2,427/mo
Today · 4.125%
HK$81,618
baseline
▲ 0.50% · 4.625%
HK$86,584
+HK$4,966/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,236/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,441
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,733
−HK$2,325/mo
Today · 4.125%
HK$90,058
baseline
▲ 0.50% · 4.625%
HK$94,805
+HK$4,747/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,116/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,694 · Scale 2, in force from 26 Feb 2026)