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$42,847
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,180
−HK$1,354/mo
Today · 4.125%
HK$45,534
baseline
▲ 0.50% · 4.625%
HK$48,304
+HK$2,770/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,068/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,667
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,945
−HK$1,297/mo
Today · 4.125%
HK$50,242
baseline
▲ 0.50% · 4.625%
HK$52,890
+HK$2,648/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,484/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,416
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,016
−HK$1,625/mo
Today · 4.125%
HK$54,641
baseline
▲ 0.50% · 4.625%
HK$57,965
+HK$3,324/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$109,282/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,200
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,734
−HK$1,557/mo
Today · 4.125%
HK$60,291
baseline
▲ 0.50% · 4.625%
HK$63,469
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$120,582/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,986
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,852
−HK$1,895/mo
Today · 4.125%
HK$63,747
baseline
▲ 0.50% · 4.625%
HK$67,626
+HK$3,879/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,494/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,734
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,523
−HK$1,816/mo
Today · 4.125%
HK$70,339
baseline
▲ 0.50% · 4.625%
HK$74,047
+HK$3,708/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,678/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,125
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,524
−HK$2,437/mo
Today · 4.125%
HK$81,961
baseline
▲ 0.50% · 4.625%
HK$86,948
+HK$4,987/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,922/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,800
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,101
−HK$2,335/mo
Today · 4.125%
HK$90,436
baseline
▲ 0.50% · 4.625%
HK$95,203
+HK$4,767/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,872/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,641 · Scale 2, in force from 26 Feb 2026)