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$42,839
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,172
−HK$1,353/mo
Today · 4.125%
HK$45,525
baseline
▲ 0.50% · 4.625%
HK$48,296
+HK$2,771/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,050/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,658
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,936
−HK$1,297/mo
Today · 4.125%
HK$50,233
baseline
▲ 0.50% · 4.625%
HK$52,881
+HK$2,648/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,466/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,407
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,006
−HK$1,624/mo
Today · 4.125%
HK$54,630
baseline
▲ 0.50% · 4.625%
HK$57,955
+HK$3,325/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,260/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,190
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,723
−HK$1,556/mo
Today · 4.125%
HK$60,279
baseline
▲ 0.50% · 4.625%
HK$63,457
+HK$3,178/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,558/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,975
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,840
−HK$1,896/mo
Today · 4.125%
HK$63,736
baseline
▲ 0.50% · 4.625%
HK$67,614
+HK$3,878/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,472/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,721
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,511
−HK$1,815/mo
Today · 4.125%
HK$70,326
baseline
▲ 0.50% · 4.625%
HK$74,033
+HK$3,707/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,652/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,110
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,509
−HK$2,437/mo
Today · 4.125%
HK$81,946
baseline
▲ 0.50% · 4.625%
HK$86,932
+HK$4,986/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,892/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,784
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,085
−HK$2,334/mo
Today · 4.125%
HK$90,419
baseline
▲ 0.50% · 4.625%
HK$95,185
+HK$4,766/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,838/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,510 · Scale 2, in force from 26 Feb 2026)