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$42,876
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,210
−HK$1,355/mo
Today · 4.125%
HK$45,565
baseline
▲ 0.50% · 4.625%
HK$48,337
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,130/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,699
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,978
−HK$1,298/mo
Today · 4.125%
HK$50,276
baseline
▲ 0.50% · 4.625%
HK$52,926
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,552/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,451
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,051
−HK$1,626/mo
Today · 4.125%
HK$54,677
baseline
▲ 0.50% · 4.625%
HK$58,004
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,354/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,239
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,774
−HK$1,557/mo
Today · 4.125%
HK$60,331
baseline
▲ 0.50% · 4.625%
HK$63,511
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,662/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,026
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,893
−HK$1,897/mo
Today · 4.125%
HK$63,790
baseline
▲ 0.50% · 4.625%
HK$67,672
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,580/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,779
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,570
−HK$1,816/mo
Today · 4.125%
HK$70,386
baseline
▲ 0.50% · 4.625%
HK$74,097
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,772/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,177
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,577
−HK$2,439/mo
Today · 4.125%
HK$82,016
baseline
▲ 0.50% · 4.625%
HK$87,007
+HK$4,991/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,032/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,858
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,161
−HK$2,336/mo
Today · 4.125%
HK$90,497
baseline
▲ 0.50% · 4.625%
HK$95,267
+HK$4,770/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,994/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,116 · Scale 2, in force from 26 Feb 2026)