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$42,661
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,988
−HK$1,349/mo
Today · 4.125%
HK$45,337
baseline
▲ 0.50% · 4.625%
HK$48,095
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,674/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,460
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,733
−HK$1,292/mo
Today · 4.125%
HK$50,025
baseline
▲ 0.50% · 4.625%
HK$52,661
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,050/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,194
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,786
−HK$1,618/mo
Today · 4.125%
HK$54,404
baseline
▲ 0.50% · 4.625%
HK$57,714
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$108,808/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,952
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,480
−HK$1,549/mo
Today · 4.125%
HK$60,029
baseline
▲ 0.50% · 4.625%
HK$63,194
+HK$3,165/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$120,058/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,726
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,584
−HK$1,887/mo
Today · 4.125%
HK$63,471
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,942/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,445
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,227
−HK$1,807/mo
Today · 4.125%
HK$70,034
baseline
▲ 0.50% · 4.625%
HK$73,726
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,068/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,791
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,179
−HK$2,427/mo
Today · 4.125%
HK$81,606
baseline
▲ 0.50% · 4.625%
HK$86,571
+HK$4,965/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,212/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,429
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,720
−HK$2,324/mo
Today · 4.125%
HK$90,044
baseline
▲ 0.50% · 4.625%
HK$94,790
+HK$4,746/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,088/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,589 · Scale 2, in force from 26 Feb 2026)