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$42,802
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,134
−HK$1,352/mo
Today · 4.125%
HK$45,486
baseline
▲ 0.50% · 4.625%
HK$48,254
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,972/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,617
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,894
−HK$1,296/mo
Today · 4.125%
HK$50,190
baseline
▲ 0.50% · 4.625%
HK$52,835
+HK$2,645/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,380/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,363
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,961
−HK$1,623/mo
Today · 4.125%
HK$54,584
baseline
▲ 0.50% · 4.625%
HK$57,905
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,168/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,141
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,673
−HK$1,555/mo
Today · 4.125%
HK$60,228
baseline
▲ 0.50% · 4.625%
HK$63,403
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,456/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,923
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,787
−HK$1,894/mo
Today · 4.125%
HK$63,681
baseline
▲ 0.50% · 4.625%
HK$67,556
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,362/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,664
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,452
−HK$1,814/mo
Today · 4.125%
HK$70,266
baseline
▲ 0.50% · 4.625%
HK$73,970
+HK$3,704/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,532/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,044
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,441
−HK$2,435/mo
Today · 4.125%
HK$81,876
baseline
▲ 0.50% · 4.625%
HK$86,858
+HK$4,982/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,752/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,711
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,010
−HK$2,332/mo
Today · 4.125%
HK$90,342
baseline
▲ 0.50% · 4.625%
HK$95,104
+HK$4,762/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,684/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,908 · Scale 2, in force from 26 Feb 2026)