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$42,787
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,118
−HK$1,352/mo
Today · 4.125%
HK$45,470
baseline
▲ 0.50% · 4.625%
HK$48,237
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,940/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,600
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,876
−HK$1,296/mo
Today · 4.125%
HK$50,172
baseline
▲ 0.50% · 4.625%
HK$52,816
+HK$2,644/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,344/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,344
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,941
−HK$1,623/mo
Today · 4.125%
HK$54,564
baseline
▲ 0.50% · 4.625%
HK$57,884
+HK$3,320/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,128/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,120
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,652
−HK$1,554/mo
Today · 4.125%
HK$60,206
baseline
▲ 0.50% · 4.625%
HK$63,379
+HK$3,173/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,412/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,901
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,765
−HK$1,893/mo
Today · 4.125%
HK$63,658
baseline
▲ 0.50% · 4.625%
HK$67,531
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,316/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,640
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,427
−HK$1,813/mo
Today · 4.125%
HK$70,240
baseline
▲ 0.50% · 4.625%
HK$73,943
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,480/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,016
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,412
−HK$2,434/mo
Today · 4.125%
HK$81,846
baseline
▲ 0.50% · 4.625%
HK$86,826
+HK$4,980/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,692/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,680
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,978
−HK$2,331/mo
Today · 4.125%
HK$90,309
baseline
▲ 0.50% · 4.625%
HK$95,069
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,618/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,651 · Scale 2, in force from 26 Feb 2026)