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$42,806
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,138
−HK$1,352/mo
Today · 4.125%
HK$45,490
baseline
▲ 0.50% · 4.625%
HK$48,258
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,980/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,621
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,899
−HK$1,295/mo
Today · 4.125%
HK$50,194
baseline
▲ 0.50% · 4.625%
HK$52,840
+HK$2,646/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,388/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,367
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,965
−HK$1,624/mo
Today · 4.125%
HK$54,589
baseline
▲ 0.50% · 4.625%
HK$57,910
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,178/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,146
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,678
−HK$1,555/mo
Today · 4.125%
HK$60,233
baseline
▲ 0.50% · 4.625%
HK$63,408
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,466/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,929
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,793
−HK$1,894/mo
Today · 4.125%
HK$63,687
baseline
▲ 0.50% · 4.625%
HK$67,562
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,374/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,670
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,458
−HK$1,814/mo
Today · 4.125%
HK$70,272
baseline
▲ 0.50% · 4.625%
HK$73,976
+HK$3,704/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,544/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,051
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,448
−HK$2,435/mo
Today · 4.125%
HK$81,883
baseline
▲ 0.50% · 4.625%
HK$86,865
+HK$4,982/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,766/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,719
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,017
−HK$2,333/mo
Today · 4.125%
HK$90,350
baseline
▲ 0.50% · 4.625%
HK$95,112
+HK$4,762/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,700/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,970 · Scale 2, in force from 26 Feb 2026)