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$42,870
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,203
−HK$1,355/mo
Today · 4.125%
HK$45,558
baseline
▲ 0.50% · 4.625%
HK$48,330
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,116/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,692
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,971
−HK$1,298/mo
Today · 4.125%
HK$50,269
baseline
▲ 0.50% · 4.625%
HK$52,918
+HK$2,649/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,538/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,443
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,044
−HK$1,625/mo
Today · 4.125%
HK$54,669
baseline
▲ 0.50% · 4.625%
HK$57,996
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,338/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,230
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,765
−HK$1,557/mo
Today · 4.125%
HK$60,322
baseline
▲ 0.50% · 4.625%
HK$63,502
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,644/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,017
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,884
−HK$1,897/mo
Today · 4.125%
HK$63,781
baseline
▲ 0.50% · 4.625%
HK$67,662
+HK$3,881/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,562/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,769
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,559
−HK$1,817/mo
Today · 4.125%
HK$70,376
baseline
▲ 0.50% · 4.625%
HK$74,086
+HK$3,710/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,752/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,165
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,565
−HK$2,439/mo
Today · 4.125%
HK$82,004
baseline
▲ 0.50% · 4.625%
HK$86,994
+HK$4,990/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,008/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,846
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,148
−HK$2,335/mo
Today · 4.125%
HK$90,483
baseline
▲ 0.50% · 4.625%
HK$95,253
+HK$4,770/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,966/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,012 · Scale 2, in force from 26 Feb 2026)