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$42,788
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,119
−HK$1,353/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$48,238
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,602
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,878
−HK$1,295/mo
Today · 4.125%
HK$50,173
baseline
▲ 0.50% · 4.625%
HK$52,818
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,346/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,346
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,943
−HK$1,623/mo
Today · 4.125%
HK$54,566
baseline
▲ 0.50% · 4.625%
HK$57,886
+HK$3,320/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,132/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,122
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,654
−HK$1,554/mo
Today · 4.125%
HK$60,208
baseline
▲ 0.50% · 4.625%
HK$63,382
+HK$3,174/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,416/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,904
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,767
−HK$1,893/mo
Today · 4.125%
HK$63,660
baseline
▲ 0.50% · 4.625%
HK$67,534
+HK$3,874/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,320/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,642
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,429
−HK$1,814/mo
Today · 4.125%
HK$70,243
baseline
▲ 0.50% · 4.625%
HK$73,945
+HK$3,702/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,486/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,019
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,415
−HK$2,434/mo
Today · 4.125%
HK$81,849
baseline
▲ 0.50% · 4.625%
HK$86,829
+HK$4,980/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,698/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,683
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,981
−HK$2,331/mo
Today · 4.125%
HK$90,312
baseline
▲ 0.50% · 4.625%
HK$95,072
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,624/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,676 · Scale 2, in force from 26 Feb 2026)