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$42,663
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,990
−HK$1,349/mo
Today · 4.125%
HK$45,339
baseline
▲ 0.50% · 4.625%
HK$48,097
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,678/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,462
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,735
−HK$1,292/mo
Today · 4.125%
HK$50,027
baseline
▲ 0.50% · 4.625%
HK$52,664
+HK$2,637/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,054/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,196
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,788
−HK$1,618/mo
Today · 4.125%
HK$54,406
baseline
▲ 0.50% · 4.625%
HK$57,717
+HK$3,311/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$108,812/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,955
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,482
−HK$1,550/mo
Today · 4.125%
HK$60,032
baseline
▲ 0.50% · 4.625%
HK$63,196
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$120,064/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,729
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,586
−HK$1,888/mo
Today · 4.125%
HK$63,474
baseline
▲ 0.50% · 4.625%
HK$67,336
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,948/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,447
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,229
−HK$1,808/mo
Today · 4.125%
HK$70,037
baseline
▲ 0.50% · 4.625%
HK$73,729
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,074/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,794
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,183
−HK$2,427/mo
Today · 4.125%
HK$81,610
baseline
▲ 0.50% · 4.625%
HK$86,575
+HK$4,965/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,220/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,432
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,724
−HK$2,324/mo
Today · 4.125%
HK$90,048
baseline
▲ 0.50% · 4.625%
HK$94,795
+HK$4,747/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,096/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,620 · Scale 2, in force from 26 Feb 2026)