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$42,832
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,164
−HK$1,354/mo
Today · 4.125%
HK$45,518
baseline
▲ 0.50% · 4.625%
HK$48,287
+HK$2,769/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,036/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,650
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,928
−HK$1,296/mo
Today · 4.125%
HK$50,224
baseline
▲ 0.50% · 4.625%
HK$52,872
+HK$2,648/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,448/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,398
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,997
−HK$1,624/mo
Today · 4.125%
HK$54,621
baseline
▲ 0.50% · 4.625%
HK$57,945
+HK$3,324/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,242/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,180
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,714
−HK$1,555/mo
Today · 4.125%
HK$60,269
baseline
▲ 0.50% · 4.625%
HK$63,446
+HK$3,177/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,538/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,965
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,830
−HK$1,895/mo
Today · 4.125%
HK$63,725
baseline
▲ 0.50% · 4.625%
HK$67,602
+HK$3,877/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,450/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,710
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,499
−HK$1,815/mo
Today · 4.125%
HK$70,314
baseline
▲ 0.50% · 4.625%
HK$74,020
+HK$3,706/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,628/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,097
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,495
−HK$2,437/mo
Today · 4.125%
HK$81,932
baseline
▲ 0.50% · 4.625%
HK$86,917
+HK$4,985/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,864/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,770
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,070
−HK$2,334/mo
Today · 4.125%
HK$90,404
baseline
▲ 0.50% · 4.625%
HK$95,169
+HK$4,765/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,808/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,392 · Scale 2, in force from 26 Feb 2026)