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$42,877
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,211
−HK$1,355/mo
Today · 4.125%
HK$45,566
baseline
▲ 0.50% · 4.625%
HK$48,338
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,132/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,700
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,980
−HK$1,297/mo
Today · 4.125%
HK$50,277
baseline
▲ 0.50% · 4.625%
HK$52,928
+HK$2,651/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$705,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,452
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,053
−HK$1,626/mo
Today · 4.125%
HK$54,679
baseline
▲ 0.50% · 4.625%
HK$58,006
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,358/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,240
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,775
−HK$1,558/mo
Today · 4.125%
HK$60,333
baseline
▲ 0.50% · 4.625%
HK$63,513
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,666/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,028
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,895
−HK$1,897/mo
Today · 4.125%
HK$63,792
baseline
▲ 0.50% · 4.625%
HK$67,674
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,584/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,780
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,571
−HK$1,817/mo
Today · 4.125%
HK$70,388
baseline
▲ 0.50% · 4.625%
HK$74,099
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,776/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,179
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,579
−HK$2,439/mo
Today · 4.125%
HK$82,018
baseline
▲ 0.50% · 4.625%
HK$87,009
+HK$4,991/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,036/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,860
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,163
−HK$2,336/mo
Today · 4.125%
HK$90,499
baseline
▲ 0.50% · 4.625%
HK$95,270
+HK$4,771/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,998/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,135 · Scale 2, in force from 26 Feb 2026)