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$42,634
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,960
−HK$1,347/mo
Today · 4.125%
HK$45,307
baseline
▲ 0.50% · 4.625%
HK$48,064
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,614/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,430
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,702
−HK$1,290/mo
Today · 4.125%
HK$49,992
baseline
▲ 0.50% · 4.625%
HK$52,627
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,984/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,160
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,752
−HK$1,617/mo
Today · 4.125%
HK$54,369
baseline
▲ 0.50% · 4.625%
HK$57,677
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,738/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,915
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,442
−HK$1,548/mo
Today · 4.125%
HK$59,990
baseline
▲ 0.50% · 4.625%
HK$63,153
+HK$3,163/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,980/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,687
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,544
−HK$1,886/mo
Today · 4.125%
HK$63,430
baseline
▲ 0.50% · 4.625%
HK$67,290
+HK$3,860/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,860/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,401
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,182
−HK$1,807/mo
Today · 4.125%
HK$69,989
baseline
▲ 0.50% · 4.625%
HK$73,678
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,978/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,741
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,128
−HK$2,425/mo
Today · 4.125%
HK$81,553
baseline
▲ 0.50% · 4.625%
HK$86,515
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,106/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,373
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,663
−HK$2,323/mo
Today · 4.125%
HK$89,986
baseline
▲ 0.50% · 4.625%
HK$94,729
+HK$4,743/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,972/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,134 · Scale 2, in force from 26 Feb 2026)