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$42,658
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,985
−HK$1,348/mo
Today · 4.125%
HK$45,333
baseline
▲ 0.50% · 4.625%
HK$48,091
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,666/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,456
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,729
−HK$1,291/mo
Today · 4.125%
HK$50,020
baseline
▲ 0.50% · 4.625%
HK$52,657
+HK$2,637/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,040/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,189
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,782
−HK$1,617/mo
Today · 4.125%
HK$54,399
baseline
▲ 0.50% · 4.625%
HK$57,709
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,798/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,948
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,475
−HK$1,549/mo
Today · 4.125%
HK$60,024
baseline
▲ 0.50% · 4.625%
HK$63,188
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,048/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,721
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,578
−HK$1,888/mo
Today · 4.125%
HK$63,466
baseline
▲ 0.50% · 4.625%
HK$67,328
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,932/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,439
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,221
−HK$1,807/mo
Today · 4.125%
HK$70,028
baseline
▲ 0.50% · 4.625%
HK$73,720
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,056/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,784
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,172
−HK$2,427/mo
Today · 4.125%
HK$81,599
baseline
▲ 0.50% · 4.625%
HK$86,564
+HK$4,965/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,198/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,421
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,712
−HK$2,324/mo
Today · 4.125%
HK$90,036
baseline
▲ 0.50% · 4.625%
HK$94,782
+HK$4,746/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,072/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,529 · Scale 2, in force from 26 Feb 2026)