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$42,808
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,140
−HK$1,353/mo
Today · 4.125%
HK$45,493
baseline
▲ 0.50% · 4.625%
HK$48,261
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,986/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,624
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,901
−HK$1,296/mo
Today · 4.125%
HK$50,197
baseline
▲ 0.50% · 4.625%
HK$52,843
+HK$2,646/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,394/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,370
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,968
−HK$1,623/mo
Today · 4.125%
HK$54,591
baseline
▲ 0.50% · 4.625%
HK$57,913
+HK$3,322/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,182/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,148
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,681
−HK$1,555/mo
Today · 4.125%
HK$60,236
baseline
▲ 0.50% · 4.625%
HK$63,411
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,472/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,931
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,796
−HK$1,894/mo
Today · 4.125%
HK$63,690
baseline
▲ 0.50% · 4.625%
HK$67,565
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,380/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,673
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,461
−HK$1,814/mo
Today · 4.125%
HK$70,275
baseline
▲ 0.50% · 4.625%
HK$73,980
+HK$3,705/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,550/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,055
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,452
−HK$2,435/mo
Today · 4.125%
HK$81,887
baseline
▲ 0.50% · 4.625%
HK$86,869
+HK$4,982/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,774/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,723
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,022
−HK$2,332/mo
Today · 4.125%
HK$90,354
baseline
▲ 0.50% · 4.625%
HK$95,117
+HK$4,763/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,708/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,003 · Scale 2, in force from 26 Feb 2026)