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$42,808
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,139
−HK$1,353/mo
Today · 4.125%
HK$45,492
baseline
▲ 0.50% · 4.625%
HK$48,260
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,984/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,623
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,901
−HK$1,295/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$52,842
+HK$2,646/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,369
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,967
−HK$1,624/mo
Today · 4.125%
HK$54,591
baseline
▲ 0.50% · 4.625%
HK$57,912
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,182/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,148
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,681
−HK$1,554/mo
Today · 4.125%
HK$60,235
baseline
▲ 0.50% · 4.625%
HK$63,411
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,470/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,931
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,795
−HK$1,894/mo
Today · 4.125%
HK$63,689
baseline
▲ 0.50% · 4.625%
HK$67,564
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,378/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,673
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,461
−HK$1,814/mo
Today · 4.125%
HK$70,275
baseline
▲ 0.50% · 4.625%
HK$73,979
+HK$3,704/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,550/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,054
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,451
−HK$2,435/mo
Today · 4.125%
HK$81,886
baseline
▲ 0.50% · 4.625%
HK$86,869
+HK$4,983/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,772/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,722
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,021
−HK$2,332/mo
Today · 4.125%
HK$90,353
baseline
▲ 0.50% · 4.625%
HK$95,116
+HK$4,763/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,706/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,997 · Scale 2, in force from 26 Feb 2026)