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$42,879
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,213
−HK$1,355/mo
Today · 4.125%
HK$45,568
baseline
▲ 0.50% · 4.625%
HK$48,341
+HK$2,773/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,136/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,703
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,982
−HK$1,298/mo
Today · 4.125%
HK$50,280
baseline
▲ 0.50% · 4.625%
HK$52,930
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,560/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,455
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,056
−HK$1,626/mo
Today · 4.125%
HK$54,682
baseline
▲ 0.50% · 4.625%
HK$58,009
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,364/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,243
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,779
−HK$1,557/mo
Today · 4.125%
HK$60,336
baseline
▲ 0.50% · 4.625%
HK$63,517
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,672/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,031
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,898
−HK$1,898/mo
Today · 4.125%
HK$63,796
baseline
▲ 0.50% · 4.625%
HK$67,677
+HK$3,881/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,592/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,784
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,575
−HK$1,817/mo
Today · 4.125%
HK$70,392
baseline
▲ 0.50% · 4.625%
HK$74,103
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,784/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,183
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,584
−HK$2,439/mo
Today · 4.125%
HK$82,023
baseline
▲ 0.50% · 4.625%
HK$87,014
+HK$4,991/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,046/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,865
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,168
−HK$2,336/mo
Today · 4.125%
HK$90,504
baseline
▲ 0.50% · 4.625%
HK$95,275
+HK$4,771/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$181,008/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,174 · Scale 2, in force from 26 Feb 2026)