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$42,872
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,205
−HK$1,355/mo
Today · 4.125%
HK$45,560
baseline
▲ 0.50% · 4.625%
HK$48,332
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,120/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,694
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,973
−HK$1,298/mo
Today · 4.125%
HK$50,271
baseline
▲ 0.50% · 4.625%
HK$52,921
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,542/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,446
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,046
−HK$1,626/mo
Today · 4.125%
HK$54,672
baseline
▲ 0.50% · 4.625%
HK$57,999
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,344/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,233
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,768
−HK$1,557/mo
Today · 4.125%
HK$60,325
baseline
▲ 0.50% · 4.625%
HK$63,505
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,650/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,020
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,887
−HK$1,897/mo
Today · 4.125%
HK$63,784
baseline
▲ 0.50% · 4.625%
HK$67,665
+HK$3,881/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,568/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,772
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,563
−HK$1,816/mo
Today · 4.125%
HK$70,379
baseline
▲ 0.50% · 4.625%
HK$74,089
+HK$3,710/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,758/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,169
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,569
−HK$2,439/mo
Today · 4.125%
HK$82,008
baseline
▲ 0.50% · 4.625%
HK$86,998
+HK$4,990/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,016/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,849
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,152
−HK$2,336/mo
Today · 4.125%
HK$90,488
baseline
▲ 0.50% · 4.625%
HK$95,257
+HK$4,769/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,976/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,045 · Scale 2, in force from 26 Feb 2026)