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$42,681
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,008
−HK$1,349/mo
Today · 4.125%
HK$45,357
baseline
▲ 0.50% · 4.625%
HK$48,117
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,714/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,482
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,755
−HK$1,292/mo
Today · 4.125%
HK$50,047
baseline
▲ 0.50% · 4.625%
HK$52,685
+HK$2,638/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,094/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,217
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,810
−HK$1,619/mo
Today · 4.125%
HK$54,429
baseline
▲ 0.50% · 4.625%
HK$57,740
+HK$3,311/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,858/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,978
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,506
−HK$1,551/mo
Today · 4.125%
HK$60,057
baseline
▲ 0.50% · 4.625%
HK$63,222
+HK$3,165/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,114/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,753
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,612
−HK$1,888/mo
Today · 4.125%
HK$63,500
baseline
▲ 0.50% · 4.625%
HK$67,364
+HK$3,864/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,000/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,475
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,257
−HK$1,809/mo
Today · 4.125%
HK$70,066
baseline
▲ 0.50% · 4.625%
HK$73,759
+HK$3,693/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,132/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,825
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,215
−HK$2,428/mo
Today · 4.125%
HK$81,643
baseline
▲ 0.50% · 4.625%
HK$86,611
+HK$4,968/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,286/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,467
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,759
−HK$2,326/mo
Today · 4.125%
HK$90,085
baseline
▲ 0.50% · 4.625%
HK$94,833
+HK$4,748/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,170/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,906 · Scale 2, in force from 26 Feb 2026)