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$42,820
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,152
−HK$1,353/mo
Today · 4.125%
HK$45,505
baseline
▲ 0.50% · 4.625%
HK$48,274
+HK$2,769/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,010/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,636
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,914
−HK$1,296/mo
Today · 4.125%
HK$50,210
baseline
▲ 0.50% · 4.625%
HK$52,857
+HK$2,647/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,420/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,384
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,982
−HK$1,624/mo
Today · 4.125%
HK$54,606
baseline
▲ 0.50% · 4.625%
HK$57,928
+HK$3,322/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,212/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,164
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,697
−HK$1,555/mo
Today · 4.125%
HK$60,252
baseline
▲ 0.50% · 4.625%
HK$63,428
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,504/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,948
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,812
−HK$1,895/mo
Today · 4.125%
HK$63,707
baseline
▲ 0.50% · 4.625%
HK$67,583
+HK$3,876/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,414/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,691
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,480
−HK$1,814/mo
Today · 4.125%
HK$70,294
baseline
▲ 0.50% · 4.625%
HK$73,999
+HK$3,705/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,588/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,075
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,473
−HK$2,436/mo
Today · 4.125%
HK$81,909
baseline
▲ 0.50% · 4.625%
HK$86,893
+HK$4,984/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,818/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,746
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,045
−HK$2,333/mo
Today · 4.125%
HK$90,378
baseline
▲ 0.50% · 4.625%
HK$95,142
+HK$4,764/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,756/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,192 · Scale 2, in force from 26 Feb 2026)