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$42,816
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,148
−HK$1,353/mo
Today · 4.125%
HK$45,501
baseline
▲ 0.50% · 4.625%
HK$48,269
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,002/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,632
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,910
−HK$1,295/mo
Today · 4.125%
HK$50,205
baseline
▲ 0.50% · 4.625%
HK$52,852
+HK$2,647/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,410/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,379
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,977
−HK$1,624/mo
Today · 4.125%
HK$54,601
baseline
▲ 0.50% · 4.625%
HK$57,923
+HK$3,322/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,202/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,158
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,691
−HK$1,556/mo
Today · 4.125%
HK$60,247
baseline
▲ 0.50% · 4.625%
HK$63,422
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,494/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,942
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,807
−HK$1,894/mo
Today · 4.125%
HK$63,701
baseline
▲ 0.50% · 4.625%
HK$67,577
+HK$3,876/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,402/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,685
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,473
−HK$1,815/mo
Today · 4.125%
HK$70,288
baseline
▲ 0.50% · 4.625%
HK$73,993
+HK$3,705/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,576/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,068
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,466
−HK$2,435/mo
Today · 4.125%
HK$81,901
baseline
▲ 0.50% · 4.625%
HK$86,885
+HK$4,984/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,802/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,738
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,037
−HK$2,333/mo
Today · 4.125%
HK$90,370
baseline
▲ 0.50% · 4.625%
HK$95,133
+HK$4,763/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,740/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,127 · Scale 2, in force from 26 Feb 2026)