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$42,679
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,006
−HK$1,349/mo
Today · 4.125%
HK$45,355
baseline
▲ 0.50% · 4.625%
HK$48,115
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,710/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,480
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,753
−HK$1,292/mo
Today · 4.125%
HK$50,045
baseline
▲ 0.50% · 4.625%
HK$52,683
+HK$2,638/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,090/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,214
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,807
−HK$1,619/mo
Today · 4.125%
HK$54,426
baseline
▲ 0.50% · 4.625%
HK$57,738
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,852/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,975
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,503
−HK$1,551/mo
Today · 4.125%
HK$60,054
baseline
▲ 0.50% · 4.625%
HK$63,219
+HK$3,165/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,108/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,750
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,609
−HK$1,888/mo
Today · 4.125%
HK$63,497
baseline
▲ 0.50% · 4.625%
HK$67,361
+HK$3,864/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,994/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,471
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,254
−HK$1,809/mo
Today · 4.125%
HK$70,063
baseline
▲ 0.50% · 4.625%
HK$73,756
+HK$3,693/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,126/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,821
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,211
−HK$2,428/mo
Today · 4.125%
HK$81,639
baseline
▲ 0.50% · 4.625%
HK$86,606
+HK$4,967/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,278/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,463
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,755
−HK$2,325/mo
Today · 4.125%
HK$90,080
baseline
▲ 0.50% · 4.625%
HK$94,829
+HK$4,749/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,160/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,872 · Scale 2, in force from 26 Feb 2026)