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$42,851
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,184
−HK$1,354/mo
Today · 4.125%
HK$45,538
baseline
▲ 0.50% · 4.625%
HK$48,309
+HK$2,771/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,076/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,671
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,950
−HK$1,297/mo
Today · 4.125%
HK$50,247
baseline
▲ 0.50% · 4.625%
HK$52,895
+HK$2,648/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,494/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,421
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,020
−HK$1,626/mo
Today · 4.125%
HK$54,646
baseline
▲ 0.50% · 4.625%
HK$57,971
+HK$3,325/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,292/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,205
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,740
−HK$1,556/mo
Today · 4.125%
HK$60,296
baseline
▲ 0.50% · 4.625%
HK$63,474
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,592/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,991
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,857
−HK$1,896/mo
Today · 4.125%
HK$63,753
baseline
▲ 0.50% · 4.625%
HK$67,632
+HK$3,879/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,506/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,740
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,529
−HK$1,816/mo
Today · 4.125%
HK$70,345
baseline
▲ 0.50% · 4.625%
HK$74,053
+HK$3,708/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,690/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,131
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,531
−HK$2,437/mo
Today · 4.125%
HK$81,968
baseline
▲ 0.50% · 4.625%
HK$86,956
+HK$4,988/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,936/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,808
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,109
−HK$2,335/mo
Today · 4.125%
HK$90,444
baseline
▲ 0.50% · 4.625%
HK$95,211
+HK$4,767/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,888/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,704 · Scale 2, in force from 26 Feb 2026)