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$48,092
+HK$2,759/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$701,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,457
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,730
−HK$1,291/mo
Today · 4.125%
HK$50,021
baseline
▲ 0.50% · 4.625%
HK$52,658
+HK$2,637/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,042/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,190
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,782
−HK$1,618/mo
Today · 4.125%
HK$54,400
baseline
▲ 0.50% · 4.625%
HK$57,710
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,800/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,948
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,476
−HK$1,549/mo
Today · 4.125%
HK$60,025
baseline
▲ 0.50% · 4.625%
HK$63,189
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,050/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,722
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,579
−HK$1,888/mo
Today · 4.125%
HK$63,467
baseline
▲ 0.50% · 4.625%
HK$67,329
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,934/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,440
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,222
−HK$1,807/mo
Today · 4.125%
HK$70,029
baseline
▲ 0.50% · 4.625%
HK$73,721
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,058/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,785
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,174
−HK$2,426/mo
Today · 4.125%
HK$81,600
baseline
▲ 0.50% · 4.625%
HK$86,565
+HK$4,965/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,200/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,423
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,714
−HK$2,324/mo
Today · 4.125%
HK$90,038
baseline
▲ 0.50% · 4.625%
HK$94,784
+HK$4,746/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,076/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,540 · Scale 2, in force from 26 Feb 2026)