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$42,861
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,195
−HK$1,354/mo
Today · 4.125%
HK$45,549
baseline
▲ 0.50% · 4.625%
HK$48,321
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,098/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,683
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,962
−HK$1,297/mo
Today · 4.125%
HK$50,259
baseline
▲ 0.50% · 4.625%
HK$52,908
+HK$2,649/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,518/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,434
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,033
−HK$1,626/mo
Today · 4.125%
HK$54,659
baseline
▲ 0.50% · 4.625%
HK$57,985
+HK$3,326/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,318/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,219
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,754
−HK$1,557/mo
Today · 4.125%
HK$60,311
baseline
▲ 0.50% · 4.625%
HK$63,490
+HK$3,179/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,622/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,006
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,872
−HK$1,897/mo
Today · 4.125%
HK$63,769
baseline
▲ 0.50% · 4.625%
HK$67,649
+HK$3,880/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,538/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,756
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,546
−HK$1,817/mo
Today · 4.125%
HK$70,363
baseline
▲ 0.50% · 4.625%
HK$74,071
+HK$3,708/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,726/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,150
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,550
−HK$2,438/mo
Today · 4.125%
HK$81,988
baseline
▲ 0.50% · 4.625%
HK$86,977
+HK$4,989/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$163,976/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,829
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,131
−HK$2,335/mo
Today · 4.125%
HK$90,466
baseline
▲ 0.50% · 4.625%
HK$95,235
+HK$4,769/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,932/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,877 · Scale 2, in force from 26 Feb 2026)