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$42,815
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,147
−HK$1,353/mo
Today · 4.125%
HK$45,500
baseline
▲ 0.50% · 4.625%
HK$48,268
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,000/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,631
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,909
−HK$1,296/mo
Today · 4.125%
HK$50,205
baseline
▲ 0.50% · 4.625%
HK$52,851
+HK$2,646/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,410/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,378
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,976
−HK$1,624/mo
Today · 4.125%
HK$54,600
baseline
▲ 0.50% · 4.625%
HK$57,922
+HK$3,322/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,200/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,157
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,690
−HK$1,555/mo
Today · 4.125%
HK$60,245
baseline
▲ 0.50% · 4.625%
HK$63,421
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,490/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,941
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,805
−HK$1,895/mo
Today · 4.125%
HK$63,700
baseline
▲ 0.50% · 4.625%
HK$67,576
+HK$3,876/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,400/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,684
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,472
−HK$1,814/mo
Today · 4.125%
HK$70,286
baseline
▲ 0.50% · 4.625%
HK$73,991
+HK$3,705/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,572/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,067
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,464
−HK$2,436/mo
Today · 4.125%
HK$81,900
baseline
▲ 0.50% · 4.625%
HK$86,883
+HK$4,983/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,800/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,736
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,036
−HK$2,332/mo
Today · 4.125%
HK$90,368
baseline
▲ 0.50% · 4.625%
HK$95,132
+HK$4,764/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,736/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,114 · Scale 2, in force from 26 Feb 2026)