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$42,862
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,196
−HK$1,354/mo
Today · 4.125%
HK$45,550
baseline
▲ 0.50% · 4.625%
HK$48,322
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,100/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,684
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,963
−HK$1,297/mo
Today · 4.125%
HK$50,260
baseline
▲ 0.50% · 4.625%
HK$52,909
+HK$2,649/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,520/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,435
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,035
−HK$1,625/mo
Today · 4.125%
HK$54,660
baseline
▲ 0.50% · 4.625%
HK$57,986
+HK$3,326/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,320/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,221
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,755
−HK$1,557/mo
Today · 4.125%
HK$60,312
baseline
▲ 0.50% · 4.625%
HK$63,491
+HK$3,179/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,624/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,007
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,874
−HK$1,896/mo
Today · 4.125%
HK$63,770
baseline
▲ 0.50% · 4.625%
HK$67,651
+HK$3,881/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,540/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,758
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,548
−HK$1,816/mo
Today · 4.125%
HK$70,364
baseline
▲ 0.50% · 4.625%
HK$74,073
+HK$3,709/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,728/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,152
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,552
−HK$2,438/mo
Today · 4.125%
HK$81,990
baseline
▲ 0.50% · 4.625%
HK$86,979
+HK$4,989/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$163,980/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,831
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,133
−HK$2,335/mo
Today · 4.125%
HK$90,468
baseline
▲ 0.50% · 4.625%
HK$95,237
+HK$4,769/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,936/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,894 · Scale 2, in force from 26 Feb 2026)