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$42,649
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,976
−HK$1,348/mo
Today · 4.125%
HK$45,324
baseline
▲ 0.50% · 4.625%
HK$48,081
+HK$2,757/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,648/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,447
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,719
−HK$1,291/mo
Today · 4.125%
HK$50,010
baseline
▲ 0.50% · 4.625%
HK$52,646
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,020/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,179
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,771
−HK$1,617/mo
Today · 4.125%
HK$54,388
baseline
▲ 0.50% · 4.625%
HK$57,698
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,776/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,936
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,463
−HK$1,549/mo
Today · 4.125%
HK$60,012
baseline
▲ 0.50% · 4.625%
HK$63,176
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,024/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,709
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,566
−HK$1,887/mo
Today · 4.125%
HK$63,453
baseline
▲ 0.50% · 4.625%
HK$67,314
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,906/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,425
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,207
−HK$1,807/mo
Today · 4.125%
HK$70,014
baseline
▲ 0.50% · 4.625%
HK$73,705
+HK$3,691/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,028/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,768
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,156
−HK$2,427/mo
Today · 4.125%
HK$81,583
baseline
▲ 0.50% · 4.625%
HK$86,547
+HK$4,964/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,166/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,404
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,695
−HK$2,323/mo
Today · 4.125%
HK$90,018
baseline
▲ 0.50% · 4.625%
HK$94,763
+HK$4,745/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,036/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,388 · Scale 2, in force from 26 Feb 2026)