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$42,889
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,224
−HK$1,355/mo
Today · 4.125%
HK$45,579
baseline
▲ 0.50% · 4.625%
HK$48,352
+HK$2,773/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,158/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,714
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,994
−HK$1,298/mo
Today · 4.125%
HK$50,292
baseline
▲ 0.50% · 4.625%
HK$52,943
+HK$2,651/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,584/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,467
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,068
−HK$1,627/mo
Today · 4.125%
HK$54,695
baseline
▲ 0.50% · 4.625%
HK$58,023
+HK$3,328/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,390/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,257
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,792
−HK$1,558/mo
Today · 4.125%
HK$60,350
baseline
▲ 0.50% · 4.625%
HK$63,531
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,700/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,045
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,913
−HK$1,898/mo
Today · 4.125%
HK$63,811
baseline
▲ 0.50% · 4.625%
HK$67,693
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,622/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,800
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,591
−HK$1,818/mo
Today · 4.125%
HK$70,409
baseline
▲ 0.50% · 4.625%
HK$74,120
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,818/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,201
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,602
−HK$2,440/mo
Today · 4.125%
HK$82,042
baseline
▲ 0.50% · 4.625%
HK$87,034
+HK$4,992/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,084/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,885
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,189
−HK$2,336/mo
Today · 4.125%
HK$90,525
baseline
▲ 0.50% · 4.625%
HK$95,297
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,050/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,339 · Scale 2, in force from 26 Feb 2026)