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$42,801
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,133
−HK$1,352/mo
Today · 4.125%
HK$45,485
baseline
▲ 0.50% · 4.625%
HK$48,253
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,970/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,616
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,893
−HK$1,296/mo
Today · 4.125%
HK$50,189
baseline
▲ 0.50% · 4.625%
HK$52,834
+HK$2,645/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,378/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,362
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,959
−HK$1,623/mo
Today · 4.125%
HK$54,582
baseline
▲ 0.50% · 4.625%
HK$57,904
+HK$3,322/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,164/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,139
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,672
−HK$1,554/mo
Today · 4.125%
HK$60,226
baseline
▲ 0.50% · 4.625%
HK$63,401
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,452/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,922
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,786
−HK$1,893/mo
Today · 4.125%
HK$63,679
baseline
▲ 0.50% · 4.625%
HK$67,554
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,358/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,662
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,450
−HK$1,814/mo
Today · 4.125%
HK$70,264
baseline
▲ 0.50% · 4.625%
HK$73,968
+HK$3,704/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,528/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,042
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,439
−HK$2,435/mo
Today · 4.125%
HK$81,874
baseline
▲ 0.50% · 4.625%
HK$86,855
+HK$4,981/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,748/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,709
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$88,007
−HK$2,332/mo
Today · 4.125%
HK$90,339
baseline
▲ 0.50% · 4.625%
HK$95,101
+HK$4,762/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,678/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,890 · Scale 2, in force from 26 Feb 2026)