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$42,848
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,181
−HK$1,354/mo
Today · 4.125%
HK$45,535
baseline
▲ 0.50% · 4.625%
HK$48,306
+HK$2,771/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,070/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,668
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,947
−HK$1,297/mo
Today · 4.125%
HK$50,244
baseline
▲ 0.50% · 4.625%
HK$52,892
+HK$2,648/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,488/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,418
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,017
−HK$1,625/mo
Today · 4.125%
HK$54,642
baseline
▲ 0.50% · 4.625%
HK$57,967
+HK$3,325/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$109,284/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,202
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,736
−HK$1,556/mo
Today · 4.125%
HK$60,292
baseline
▲ 0.50% · 4.625%
HK$63,470
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$120,584/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,988
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,853
−HK$1,896/mo
Today · 4.125%
HK$63,749
baseline
▲ 0.50% · 4.625%
HK$67,628
+HK$3,879/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,498/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,736
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,525
−HK$1,816/mo
Today · 4.125%
HK$70,341
baseline
▲ 0.50% · 4.625%
HK$74,049
+HK$3,708/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,682/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,127
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,526
−HK$2,437/mo
Today · 4.125%
HK$81,963
baseline
▲ 0.50% · 4.625%
HK$86,951
+HK$4,988/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,926/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,803
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,104
−HK$2,334/mo
Today · 4.125%
HK$90,438
baseline
▲ 0.50% · 4.625%
HK$95,206
+HK$4,768/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,876/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,662 · Scale 2, in force from 26 Feb 2026)