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$42,683
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,010
−HK$1,349/mo
Today · 4.125%
HK$45,359
baseline
▲ 0.50% · 4.625%
HK$48,119
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,718/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,484
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,758
−HK$1,291/mo
Today · 4.125%
HK$50,049
baseline
▲ 0.50% · 4.625%
HK$52,688
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,098/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,219
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,812
−HK$1,619/mo
Today · 4.125%
HK$54,431
baseline
▲ 0.50% · 4.625%
HK$57,743
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,862/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,981
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,509
−HK$1,550/mo
Today · 4.125%
HK$60,059
baseline
▲ 0.50% · 4.625%
HK$63,225
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,118/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,756
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,615
−HK$1,888/mo
Today · 4.125%
HK$63,503
baseline
▲ 0.50% · 4.625%
HK$67,367
+HK$3,864/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,006/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,478
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,261
−HK$1,808/mo
Today · 4.125%
HK$70,069
baseline
▲ 0.50% · 4.625%
HK$73,763
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,138/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,829
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,219
−HK$2,428/mo
Today · 4.125%
HK$81,647
baseline
▲ 0.50% · 4.625%
HK$86,615
+HK$4,968/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,294/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,471
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,764
−HK$2,325/mo
Today · 4.125%
HK$90,089
baseline
▲ 0.50% · 4.625%
HK$94,838
+HK$4,749/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,178/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,939 · Scale 2, in force from 26 Feb 2026)