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$42,858
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,191
−HK$1,354/mo
Today · 4.125%
HK$45,545
baseline
▲ 0.50% · 4.625%
HK$48,317
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,090/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,679
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,957
−HK$1,298/mo
Today · 4.125%
HK$50,255
baseline
▲ 0.50% · 4.625%
HK$52,904
+HK$2,649/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,510/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,429
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,029
−HK$1,625/mo
Today · 4.125%
HK$54,654
baseline
▲ 0.50% · 4.625%
HK$57,980
+HK$3,326/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,308/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,214
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,557/mo
Today · 4.125%
HK$60,306
baseline
▲ 0.50% · 4.625%
HK$63,484
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,612/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,001
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,867
−HK$1,896/mo
Today · 4.125%
HK$63,763
baseline
▲ 0.50% · 4.625%
HK$67,643
+HK$3,880/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,526/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,750
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,540
−HK$1,816/mo
Today · 4.125%
HK$70,356
baseline
▲ 0.50% · 4.625%
HK$74,065
+HK$3,709/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,712/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,144
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,543
−HK$2,438/mo
Today · 4.125%
HK$81,981
baseline
▲ 0.50% · 4.625%
HK$86,970
+HK$4,989/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$163,962/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,822
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,123
−HK$2,335/mo
Today · 4.125%
HK$90,458
baseline
▲ 0.50% · 4.625%
HK$95,227
+HK$4,769/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,916/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,817 · Scale 2, in force from 26 Feb 2026)