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$42,631
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,957
−HK$1,348/mo
Today · 4.125%
HK$45,305
baseline
▲ 0.50% · 4.625%
HK$48,061
+HK$2,756/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,610/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,427
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,699
−HK$1,290/mo
Today · 4.125%
HK$49,989
baseline
▲ 0.50% · 4.625%
HK$52,624
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,978/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,158
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,749
−HK$1,617/mo
Today · 4.125%
HK$54,366
baseline
▲ 0.50% · 4.625%
HK$57,674
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,732/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,912
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,439
−HK$1,548/mo
Today · 4.125%
HK$59,987
baseline
▲ 0.50% · 4.625%
HK$63,149
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,974/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,684
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,540
−HK$1,887/mo
Today · 4.125%
HK$63,427
baseline
▲ 0.50% · 4.625%
HK$67,286
+HK$3,859/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,854/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,398
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,179
−HK$1,806/mo
Today · 4.125%
HK$69,985
baseline
▲ 0.50% · 4.625%
HK$73,674
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,970/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,736
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,123
−HK$2,426/mo
Today · 4.125%
HK$81,549
baseline
▲ 0.50% · 4.625%
HK$86,511
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,098/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,369
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,658
−HK$2,323/mo
Today · 4.125%
HK$89,981
baseline
▲ 0.50% · 4.625%
HK$94,724
+HK$4,743/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,962/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,096 · Scale 2, in force from 26 Feb 2026)