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$42,825
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,157
−HK$1,354/mo
Today · 4.125%
HK$45,511
baseline
▲ 0.50% · 4.625%
HK$48,280
+HK$2,769/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,022/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,643
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,920
−HK$1,297/mo
Today · 4.125%
HK$50,217
baseline
▲ 0.50% · 4.625%
HK$52,864
+HK$2,647/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,434/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,390
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,989
−HK$1,624/mo
Today · 4.125%
HK$54,613
baseline
▲ 0.50% · 4.625%
HK$57,936
+HK$3,323/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,226/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,171
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,704
−HK$1,556/mo
Today · 4.125%
HK$60,260
baseline
▲ 0.50% · 4.625%
HK$63,436
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,520/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,955
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,820
−HK$1,895/mo
Today · 4.125%
HK$63,715
baseline
▲ 0.50% · 4.625%
HK$67,592
+HK$3,877/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$127,430/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,700
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,488
−HK$1,815/mo
Today · 4.125%
HK$70,303
baseline
▲ 0.50% · 4.625%
HK$74,009
+HK$3,706/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$140,606/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,085
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,483
−HK$2,436/mo
Today · 4.125%
HK$81,919
baseline
▲ 0.50% · 4.625%
HK$86,904
+HK$4,985/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,838/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,757
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,057
−HK$2,333/mo
Today · 4.125%
HK$90,390
baseline
▲ 0.50% · 4.625%
HK$95,154
+HK$4,764/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,780/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,283 · Scale 2, in force from 26 Feb 2026)