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$42,865
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,198
−HK$1,355/mo
Today · 4.125%
HK$45,553
baseline
▲ 0.50% · 4.625%
HK$48,325
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,106/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,687
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,966
−HK$1,297/mo
Today · 4.125%
HK$50,263
baseline
▲ 0.50% · 4.625%
HK$52,913
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,526/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,438
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,038
−HK$1,626/mo
Today · 4.125%
HK$54,664
baseline
▲ 0.50% · 4.625%
HK$57,990
+HK$3,326/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,328/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,224
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,759
−HK$1,557/mo
Today · 4.125%
HK$60,316
baseline
▲ 0.50% · 4.625%
HK$63,495
+HK$3,179/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,632/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,011
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,878
−HK$1,896/mo
Today · 4.125%
HK$63,774
baseline
▲ 0.50% · 4.625%
HK$67,655
+HK$3,881/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,548/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,762
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,552
−HK$1,817/mo
Today · 4.125%
HK$70,369
baseline
▲ 0.50% · 4.625%
HK$74,078
+HK$3,709/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,738/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,157
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,557
−HK$2,439/mo
Today · 4.125%
HK$81,996
baseline
▲ 0.50% · 4.625%
HK$86,985
+HK$4,989/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$163,992/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,837
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,139
−HK$2,335/mo
Today · 4.125%
HK$90,474
baseline
▲ 0.50% · 4.625%
HK$95,243
+HK$4,769/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,948/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,939 · Scale 2, in force from 26 Feb 2026)