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$42,786
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,117
−HK$1,352/mo
Today · 4.125%
HK$45,469
baseline
▲ 0.50% · 4.625%
HK$48,236
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,938/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,599
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,875
−HK$1,295/mo
Today · 4.125%
HK$50,170
baseline
▲ 0.50% · 4.625%
HK$52,815
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,340/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,343
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,940
−HK$1,623/mo
Today · 4.125%
HK$54,563
baseline
▲ 0.50% · 4.625%
HK$57,883
+HK$3,320/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,126/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,119
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,651
−HK$1,554/mo
Today · 4.125%
HK$60,205
baseline
▲ 0.50% · 4.625%
HK$63,378
+HK$3,173/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,410/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,900
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,763
−HK$1,894/mo
Today · 4.125%
HK$63,657
baseline
▲ 0.50% · 4.625%
HK$67,530
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,314/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,638
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,426
−HK$1,813/mo
Today · 4.125%
HK$70,239
baseline
▲ 0.50% · 4.625%
HK$73,941
+HK$3,702/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,478/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,015
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,410
−HK$2,434/mo
Today · 4.125%
HK$81,844
baseline
▲ 0.50% · 4.625%
HK$86,824
+HK$4,980/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,688/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,678
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,976
−HK$2,331/mo
Today · 4.125%
HK$90,307
baseline
▲ 0.50% · 4.625%
HK$95,067
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,614/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,637 · Scale 2, in force from 26 Feb 2026)