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$42,837
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,170
−HK$1,354/mo
Today · 4.125%
HK$45,524
baseline
▲ 0.50% · 4.625%
HK$48,294
+HK$2,770/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,048/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,656
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,934
−HK$1,297/mo
Today · 4.125%
HK$50,231
baseline
▲ 0.50% · 4.625%
HK$52,878
+HK$2,647/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,462/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,405
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,004
−HK$1,624/mo
Today · 4.125%
HK$54,628
baseline
▲ 0.50% · 4.625%
HK$57,952
+HK$3,324/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,256/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,187
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,721
−HK$1,556/mo
Today · 4.125%
HK$60,277
baseline
▲ 0.50% · 4.625%
HK$63,454
+HK$3,177/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,554/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,972
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,838
−HK$1,895/mo
Today · 4.125%
HK$63,733
baseline
▲ 0.50% · 4.625%
HK$67,611
+HK$3,878/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,466/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,718
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,508
−HK$1,815/mo
Today · 4.125%
HK$70,323
baseline
▲ 0.50% · 4.625%
HK$74,030
+HK$3,707/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,646/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,107
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,506
−HK$2,436/mo
Today · 4.125%
HK$81,942
baseline
▲ 0.50% · 4.625%
HK$86,928
+HK$4,986/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,884/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,781
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,081
−HK$2,334/mo
Today · 4.125%
HK$90,415
baseline
▲ 0.50% · 4.625%
HK$95,181
+HK$4,766/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,830/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,481 · Scale 2, in force from 26 Feb 2026)