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$42,857
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,190
−HK$1,354/mo
Today · 4.125%
HK$45,544
baseline
▲ 0.50% · 4.625%
HK$48,316
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,088/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,678
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,957
−HK$1,297/mo
Today · 4.125%
HK$50,254
baseline
▲ 0.50% · 4.625%
HK$52,903
+HK$2,649/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,508/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,428
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,028
−HK$1,625/mo
Today · 4.125%
HK$54,653
baseline
▲ 0.50% · 4.625%
HK$57,979
+HK$3,326/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,306/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,214
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,748
−HK$1,557/mo
Today · 4.125%
HK$60,305
baseline
▲ 0.50% · 4.625%
HK$63,483
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,610/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,000
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,866
−HK$1,896/mo
Today · 4.125%
HK$63,762
baseline
▲ 0.50% · 4.625%
HK$67,642
+HK$3,880/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,524/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,749
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,539
−HK$1,816/mo
Today · 4.125%
HK$70,355
baseline
▲ 0.50% · 4.625%
HK$74,064
+HK$3,709/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,710/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,143
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,542
−HK$2,438/mo
Today · 4.125%
HK$81,980
baseline
▲ 0.50% · 4.625%
HK$86,968
+HK$4,988/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$163,960/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,820
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,122
−HK$2,335/mo
Today · 4.125%
HK$90,457
baseline
▲ 0.50% · 4.625%
HK$95,225
+HK$4,768/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,914/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,806 · Scale 2, in force from 26 Feb 2026)