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$42,876
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,210
−HK$1,355/mo
Today · 4.125%
HK$45,565
baseline
▲ 0.50% · 4.625%
HK$48,338
+HK$2,773/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,130/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,699
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,979
−HK$1,298/mo
Today · 4.125%
HK$50,277
baseline
▲ 0.50% · 4.625%
HK$52,927
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,554/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,452
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,052
−HK$1,626/mo
Today · 4.125%
HK$54,678
baseline
▲ 0.50% · 4.625%
HK$58,005
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,356/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,239
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,774
−HK$1,558/mo
Today · 4.125%
HK$60,332
baseline
▲ 0.50% · 4.625%
HK$63,512
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,664/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,027
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,894
−HK$1,897/mo
Today · 4.125%
HK$63,791
baseline
▲ 0.50% · 4.625%
HK$67,673
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,582/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,779
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,570
−HK$1,817/mo
Today · 4.125%
HK$70,387
baseline
▲ 0.50% · 4.625%
HK$74,097
+HK$3,710/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,774/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,177
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,578
−HK$2,439/mo
Today · 4.125%
HK$82,017
baseline
▲ 0.50% · 4.625%
HK$87,008
+HK$4,991/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,034/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,859
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,162
−HK$2,336/mo
Today · 4.125%
HK$90,498
baseline
▲ 0.50% · 4.625%
HK$95,268
+HK$4,770/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,996/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,124 · Scale 2, in force from 26 Feb 2026)