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$42,789
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,120
−HK$1,352/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$48,239
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,602
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,879
−HK$1,295/mo
Today · 4.125%
HK$50,174
baseline
▲ 0.50% · 4.625%
HK$52,819
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,348/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,346
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,944
−HK$1,622/mo
Today · 4.125%
HK$54,566
baseline
▲ 0.50% · 4.625%
HK$57,887
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,132/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,122
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,654
−HK$1,555/mo
Today · 4.125%
HK$60,209
baseline
▲ 0.50% · 4.625%
HK$63,382
+HK$3,173/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,418/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,904
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,768
−HK$1,893/mo
Today · 4.125%
HK$63,661
baseline
▲ 0.50% · 4.625%
HK$67,534
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,322/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,643
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,430
−HK$1,813/mo
Today · 4.125%
HK$70,243
baseline
▲ 0.50% · 4.625%
HK$73,946
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,486/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,020
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,415
−HK$2,435/mo
Today · 4.125%
HK$81,850
baseline
▲ 0.50% · 4.625%
HK$86,830
+HK$4,980/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,700/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,684
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,982
−HK$2,331/mo
Today · 4.125%
HK$90,313
baseline
▲ 0.50% · 4.625%
HK$95,073
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,626/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,683 · Scale 2, in force from 26 Feb 2026)