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$42,875
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,209
−HK$1,355/mo
Today · 4.125%
HK$45,564
baseline
▲ 0.50% · 4.625%
HK$48,336
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,128/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,698
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,977
−HK$1,298/mo
Today · 4.125%
HK$50,275
baseline
▲ 0.50% · 4.625%
HK$52,925
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,550/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,450
−HK$3,227/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$705,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,238
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,773
−HK$1,557/mo
Today · 4.125%
HK$60,330
baseline
▲ 0.50% · 4.625%
HK$63,510
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,660/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,025
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,892
−HK$1,897/mo
Today · 4.125%
HK$63,789
baseline
▲ 0.50% · 4.625%
HK$67,671
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,578/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,778
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,568
−HK$1,817/mo
Today · 4.125%
HK$70,385
baseline
▲ 0.50% · 4.625%
HK$74,095
+HK$3,710/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,770/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,175
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,576
−HK$2,439/mo
Today · 4.125%
HK$82,015
baseline
▲ 0.50% · 4.625%
HK$87,005
+HK$4,990/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,030/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,857
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,159
−HK$2,336/mo
Today · 4.125%
HK$90,495
baseline
▲ 0.50% · 4.625%
HK$95,266
+HK$4,771/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,990/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,105 · Scale 2, in force from 26 Feb 2026)