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$42,640
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,967
−HK$1,347/mo
Today · 4.125%
HK$45,314
baseline
▲ 0.50% · 4.625%
HK$48,072
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,628/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,437
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,709
−HK$1,291/mo
Today · 4.125%
HK$50,000
baseline
▲ 0.50% · 4.625%
HK$52,635
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,000/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,168
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,760
−HK$1,617/mo
Today · 4.125%
HK$54,377
baseline
▲ 0.50% · 4.625%
HK$57,686
+HK$3,309/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,754/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,924
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,451
−HK$1,549/mo
Today · 4.125%
HK$60,000
baseline
▲ 0.50% · 4.625%
HK$63,163
+HK$3,163/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,000/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,697
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,553
−HK$1,887/mo
Today · 4.125%
HK$63,440
baseline
▲ 0.50% · 4.625%
HK$67,300
+HK$3,860/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,880/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,412
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,193
−HK$1,807/mo
Today · 4.125%
HK$70,000
baseline
▲ 0.50% · 4.625%
HK$73,690
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,000/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,753
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,140
−HK$2,426/mo
Today · 4.125%
HK$81,566
baseline
▲ 0.50% · 4.625%
HK$86,529
+HK$4,963/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,132/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,387
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,677
−HK$2,323/mo
Today · 4.125%
HK$90,000
baseline
▲ 0.50% · 4.625%
HK$94,744
+HK$4,744/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,000/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,244 · Scale 2, in force from 26 Feb 2026)