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$42,651
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,978
−HK$1,348/mo
Today · 4.125%
HK$45,326
baseline
▲ 0.50% · 4.625%
HK$48,084
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,652/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,449
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,722
−HK$1,291/mo
Today · 4.125%
HK$50,013
baseline
▲ 0.50% · 4.625%
HK$52,649
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,026/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,181
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,773
−HK$1,618/mo
Today · 4.125%
HK$54,391
baseline
▲ 0.50% · 4.625%
HK$57,701
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,782/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,939
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,466
−HK$1,549/mo
Today · 4.125%
HK$60,015
baseline
▲ 0.50% · 4.625%
HK$63,179
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,030/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,712
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,569
−HK$1,887/mo
Today · 4.125%
HK$63,456
baseline
▲ 0.50% · 4.625%
HK$67,317
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,912/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,429
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,210
−HK$1,808/mo
Today · 4.125%
HK$70,018
baseline
▲ 0.50% · 4.625%
HK$73,708
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,036/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,772
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,160
−HK$2,426/mo
Today · 4.125%
HK$81,586
baseline
▲ 0.50% · 4.625%
HK$86,551
+HK$4,965/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,172/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,408
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,699
−HK$2,324/mo
Today · 4.125%
HK$90,023
baseline
▲ 0.50% · 4.625%
HK$94,768
+HK$4,745/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,046/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,421 · Scale 2, in force from 26 Feb 2026)