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$42,667
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,994
−HK$1,349/mo
Today · 4.125%
HK$45,343
baseline
▲ 0.50% · 4.625%
HK$48,102
+HK$2,759/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,686/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,467
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,740
−HK$1,291/mo
Today · 4.125%
HK$50,031
baseline
▲ 0.50% · 4.625%
HK$52,668
+HK$2,637/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,062/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,200
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,793
−HK$1,618/mo
Today · 4.125%
HK$54,411
baseline
▲ 0.50% · 4.625%
HK$57,722
+HK$3,311/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$108,822/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,960
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,488
−HK$1,549/mo
Today · 4.125%
HK$60,037
baseline
▲ 0.50% · 4.625%
HK$63,202
+HK$3,165/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$120,074/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,734
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,592
−HK$1,888/mo
Today · 4.125%
HK$63,480
baseline
▲ 0.50% · 4.625%
HK$67,342
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,960/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,453
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,235
−HK$1,809/mo
Today · 4.125%
HK$70,044
baseline
▲ 0.50% · 4.625%
HK$73,736
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,088/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,801
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,190
−HK$2,427/mo
Today · 4.125%
HK$81,617
baseline
▲ 0.50% · 4.625%
HK$86,583
+HK$4,966/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,234/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,440
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,731
−HK$2,325/mo
Today · 4.125%
HK$90,056
baseline
▲ 0.50% · 4.625%
HK$94,803
+HK$4,747/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,112/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,681 · Scale 2, in force from 26 Feb 2026)