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$42,822
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,154
−HK$1,353/mo
Today · 4.125%
HK$45,507
baseline
▲ 0.50% · 4.625%
HK$48,276
+HK$2,769/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,014/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,639
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,916
−HK$1,296/mo
Today · 4.125%
HK$50,212
baseline
▲ 0.50% · 4.625%
HK$52,859
+HK$2,647/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,424/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,386
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,984
−HK$1,624/mo
Today · 4.125%
HK$54,608
baseline
▲ 0.50% · 4.625%
HK$57,931
+HK$3,323/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,216/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,166
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,700
−HK$1,555/mo
Today · 4.125%
HK$60,255
baseline
▲ 0.50% · 4.625%
HK$63,431
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,510/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,950
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,815
−HK$1,895/mo
Today · 4.125%
HK$63,710
baseline
▲ 0.50% · 4.625%
HK$67,586
+HK$3,876/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$127,420/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,694
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,483
−HK$1,814/mo
Today · 4.125%
HK$70,297
baseline
▲ 0.50% · 4.625%
HK$74,003
+HK$3,706/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$140,594/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,079
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,476
−HK$2,436/mo
Today · 4.125%
HK$81,912
baseline
▲ 0.50% · 4.625%
HK$86,897
+HK$4,985/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,824/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,749
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,049
−HK$2,333/mo
Today · 4.125%
HK$90,382
baseline
▲ 0.50% · 4.625%
HK$95,146
+HK$4,764/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,764/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,224 · Scale 2, in force from 26 Feb 2026)