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$42,888
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,222
−HK$1,356/mo
Today · 4.125%
HK$45,578
baseline
▲ 0.50% · 4.625%
HK$48,351
+HK$2,773/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,156/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,713
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,992
−HK$1,298/mo
Today · 4.125%
HK$50,290
baseline
▲ 0.50% · 4.625%
HK$52,941
+HK$2,651/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,580/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,466
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,067
−HK$1,626/mo
Today · 4.125%
HK$54,693
baseline
▲ 0.50% · 4.625%
HK$58,021
+HK$3,328/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,386/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,255
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,791
−HK$1,558/mo
Today · 4.125%
HK$60,349
baseline
▲ 0.50% · 4.625%
HK$63,530
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,698/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,044
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,911
−HK$1,898/mo
Today · 4.125%
HK$63,809
baseline
▲ 0.50% · 4.625%
HK$67,691
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,618/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,798
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,589
−HK$1,818/mo
Today · 4.125%
HK$70,407
baseline
▲ 0.50% · 4.625%
HK$74,118
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,814/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,199
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,600
−HK$2,440/mo
Today · 4.125%
HK$82,040
baseline
▲ 0.50% · 4.625%
HK$87,032
+HK$4,992/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,080/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,883
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,186
−HK$2,337/mo
Today · 4.125%
HK$90,523
baseline
▲ 0.50% · 4.625%
HK$95,294
+HK$4,771/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,046/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,320 · Scale 2, in force from 26 Feb 2026)