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$42,636
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,962
−HK$1,348/mo
Today · 4.125%
HK$45,310
baseline
▲ 0.50% · 4.625%
HK$48,067
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,620/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,432
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,704
−HK$1,291/mo
Today · 4.125%
HK$49,995
baseline
▲ 0.50% · 4.625%
HK$52,630
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,990/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,163
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,755
−HK$1,616/mo
Today · 4.125%
HK$54,371
baseline
▲ 0.50% · 4.625%
HK$57,680
+HK$3,309/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,742/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,918
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,445
−HK$1,549/mo
Today · 4.125%
HK$59,994
baseline
▲ 0.50% · 4.625%
HK$63,156
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,988/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,690
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,547
−HK$1,886/mo
Today · 4.125%
HK$63,433
baseline
▲ 0.50% · 4.625%
HK$67,293
+HK$3,860/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,866/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,405
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,186
−HK$1,806/mo
Today · 4.125%
HK$69,992
baseline
▲ 0.50% · 4.625%
HK$73,682
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,984/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,745
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,132
−HK$2,425/mo
Today · 4.125%
HK$81,557
baseline
▲ 0.50% · 4.625%
HK$86,520
+HK$4,963/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,114/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,378
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,667
−HK$2,323/mo
Today · 4.125%
HK$89,990
baseline
▲ 0.50% · 4.625%
HK$94,734
+HK$4,744/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,980/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,170 · Scale 2, in force from 26 Feb 2026)