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$42,854
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,187
−HK$1,354/mo
Today · 4.125%
HK$45,541
baseline
▲ 0.50% · 4.625%
HK$48,312
+HK$2,771/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,082/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,674
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,953
−HK$1,297/mo
Today · 4.125%
HK$50,250
baseline
▲ 0.50% · 4.625%
HK$52,899
+HK$2,649/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,500/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,424
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,024
−HK$1,625/mo
Today · 4.125%
HK$54,649
baseline
▲ 0.50% · 4.625%
HK$57,974
+HK$3,325/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,298/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,209
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,743
−HK$1,557/mo
Today · 4.125%
HK$60,300
baseline
▲ 0.50% · 4.625%
HK$63,478
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,600/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,995
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,861
−HK$1,896/mo
Today · 4.125%
HK$63,757
baseline
▲ 0.50% · 4.625%
HK$67,637
+HK$3,880/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,514/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,744
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,534
−HK$1,816/mo
Today · 4.125%
HK$70,350
baseline
▲ 0.50% · 4.625%
HK$74,058
+HK$3,708/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,700/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,136
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,536
−HK$2,438/mo
Today · 4.125%
HK$81,974
baseline
▲ 0.50% · 4.625%
HK$86,961
+HK$4,987/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,948/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,813
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,115
−HK$2,335/mo
Today · 4.125%
HK$90,450
baseline
▲ 0.50% · 4.625%
HK$95,217
+HK$4,767/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,900/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,749 · Scale 2, in force from 26 Feb 2026)