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$42,790
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,121
−HK$1,352/mo
Today · 4.125%
HK$45,473
baseline
▲ 0.50% · 4.625%
HK$48,240
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,946/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,603
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,880
−HK$1,295/mo
Today · 4.125%
HK$50,175
baseline
▲ 0.50% · 4.625%
HK$52,820
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,350/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,348
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,945
−HK$1,623/mo
Today · 4.125%
HK$54,568
baseline
▲ 0.50% · 4.625%
HK$57,888
+HK$3,320/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,136/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,124
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,656
−HK$1,554/mo
Today · 4.125%
HK$60,210
baseline
▲ 0.50% · 4.625%
HK$63,384
+HK$3,174/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,420/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,906
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,769
−HK$1,893/mo
Today · 4.125%
HK$63,662
baseline
▲ 0.50% · 4.625%
HK$67,536
+HK$3,874/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,324/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,644
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,432
−HK$1,813/mo
Today · 4.125%
HK$70,245
baseline
▲ 0.50% · 4.625%
HK$73,948
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,490/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,021
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,417
−HK$2,434/mo
Today · 4.125%
HK$81,851
baseline
▲ 0.50% · 4.625%
HK$86,832
+HK$4,981/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,702/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,686
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,984
−HK$2,331/mo
Today · 4.125%
HK$90,315
baseline
▲ 0.50% · 4.625%
HK$95,075
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,630/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,699 · Scale 2, in force from 26 Feb 2026)