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$42,833
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,165
−HK$1,354/mo
Today · 4.125%
HK$45,519
baseline
▲ 0.50% · 4.625%
HK$48,289
+HK$2,770/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,038/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,651
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,929
−HK$1,296/mo
Today · 4.125%
HK$50,225
baseline
▲ 0.50% · 4.625%
HK$52,873
+HK$2,648/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,450/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,399
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$52,998
−HK$1,625/mo
Today · 4.125%
HK$54,623
baseline
▲ 0.50% · 4.625%
HK$57,946
+HK$3,323/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,246/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,181
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,715
−HK$1,556/mo
Today · 4.125%
HK$60,271
baseline
▲ 0.50% · 4.625%
HK$63,448
+HK$3,177/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,542/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,966
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,831
−HK$1,895/mo
Today · 4.125%
HK$63,726
baseline
▲ 0.50% · 4.625%
HK$67,604
+HK$3,878/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,452/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,711
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,501
−HK$1,815/mo
Today · 4.125%
HK$70,316
baseline
▲ 0.50% · 4.625%
HK$74,022
+HK$3,706/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,632/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,099
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,497
−HK$2,437/mo
Today · 4.125%
HK$81,934
baseline
▲ 0.50% · 4.625%
HK$86,919
+HK$4,985/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,868/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,772
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,072
−HK$2,334/mo
Today · 4.125%
HK$90,406
baseline
▲ 0.50% · 4.625%
HK$95,171
+HK$4,765/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,812/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,408 · Scale 2, in force from 26 Feb 2026)