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$42,629
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,955
−HK$1,348/mo
Today · 4.125%
HK$45,303
baseline
▲ 0.50% · 4.625%
HK$48,059
+HK$2,756/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,606/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,425
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,697
−HK$1,290/mo
Today · 4.125%
HK$49,987
baseline
▲ 0.50% · 4.625%
HK$52,622
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,974/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,155
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,747
−HK$1,616/mo
Today · 4.125%
HK$54,363
baseline
▲ 0.50% · 4.625%
HK$57,671
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,726/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,910
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,436
−HK$1,548/mo
Today · 4.125%
HK$59,984
baseline
▲ 0.50% · 4.625%
HK$63,146
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,968/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,681
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,538
−HK$1,886/mo
Today · 4.125%
HK$63,424
baseline
▲ 0.50% · 4.625%
HK$67,283
+HK$3,859/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,848/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,395
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,175
−HK$1,807/mo
Today · 4.125%
HK$69,982
baseline
▲ 0.50% · 4.625%
HK$73,671
+HK$3,689/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,964/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,733
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,120
−HK$2,425/mo
Today · 4.125%
HK$81,545
baseline
▲ 0.50% · 4.625%
HK$86,507
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,090/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,365
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,654
−HK$2,323/mo
Today · 4.125%
HK$89,977
baseline
▲ 0.50% · 4.625%
HK$94,720
+HK$4,743/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,954/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,064 · Scale 2, in force from 26 Feb 2026)