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$42,890
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,224
−HK$1,355/mo
Today · 4.125%
HK$45,579
baseline
▲ 0.50% · 4.625%
HK$48,353
+HK$2,774/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,158/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,714
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,994
−HK$1,298/mo
Today · 4.125%
HK$50,292
baseline
▲ 0.50% · 4.625%
HK$52,943
+HK$2,651/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,584/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,468
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,069
−HK$1,626/mo
Today · 4.125%
HK$54,695
baseline
▲ 0.50% · 4.625%
HK$58,023
+HK$3,328/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,390/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,257
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,793
−HK$1,558/mo
Today · 4.125%
HK$60,351
baseline
▲ 0.50% · 4.625%
HK$63,532
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,702/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,046
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,913
−HK$1,898/mo
Today · 4.125%
HK$63,811
baseline
▲ 0.50% · 4.625%
HK$67,694
+HK$3,883/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,622/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,800
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,592
−HK$1,817/mo
Today · 4.125%
HK$70,409
baseline
▲ 0.50% · 4.625%
HK$74,121
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,818/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,202
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,603
−HK$2,440/mo
Today · 4.125%
HK$82,043
baseline
▲ 0.50% · 4.625%
HK$87,035
+HK$4,992/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,086/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,886
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,189
−HK$2,337/mo
Today · 4.125%
HK$90,526
baseline
▲ 0.50% · 4.625%
HK$95,298
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,052/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,345 · Scale 2, in force from 26 Feb 2026)