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$42,788
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,119
−HK$1,352/mo
Today · 4.125%
HK$45,471
baseline
▲ 0.50% · 4.625%
HK$48,238
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,942/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,601
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,878
−HK$1,295/mo
Today · 4.125%
HK$50,173
baseline
▲ 0.50% · 4.625%
HK$52,818
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,346/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,345
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,943
−HK$1,622/mo
Today · 4.125%
HK$54,565
baseline
▲ 0.50% · 4.625%
HK$57,885
+HK$3,320/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,130/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,121
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,653
−HK$1,554/mo
Today · 4.125%
HK$60,207
baseline
▲ 0.50% · 4.625%
HK$63,381
+HK$3,174/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,414/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,903
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,766
−HK$1,894/mo
Today · 4.125%
HK$63,660
baseline
▲ 0.50% · 4.625%
HK$67,533
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,320/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,642
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,429
−HK$1,813/mo
Today · 4.125%
HK$70,242
baseline
▲ 0.50% · 4.625%
HK$73,945
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,484/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,018
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,414
−HK$2,434/mo
Today · 4.125%
HK$81,848
baseline
▲ 0.50% · 4.625%
HK$86,828
+HK$4,980/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,696/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,682
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,980
−HK$2,331/mo
Today · 4.125%
HK$90,311
baseline
▲ 0.50% · 4.625%
HK$95,072
+HK$4,761/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,622/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,670 · Scale 2, in force from 26 Feb 2026)