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$42,829
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,162
−HK$1,353/mo
Today · 4.125%
HK$45,515
baseline
▲ 0.50% · 4.625%
HK$48,285
+HK$2,770/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,030/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,647
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,925
−HK$1,296/mo
Today · 4.125%
HK$50,221
baseline
▲ 0.50% · 4.625%
HK$52,869
+HK$2,648/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,442/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,395
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,994
−HK$1,624/mo
Today · 4.125%
HK$54,618
baseline
▲ 0.50% · 4.625%
HK$57,942
+HK$3,324/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,236/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,177
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,710
−HK$1,556/mo
Today · 4.125%
HK$60,266
baseline
▲ 0.50% · 4.625%
HK$63,442
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,532/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,961
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,826
−HK$1,895/mo
Today · 4.125%
HK$63,721
baseline
▲ 0.50% · 4.625%
HK$67,598
+HK$3,877/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$127,442/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,706
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,495
−HK$1,815/mo
Today · 4.125%
HK$70,310
baseline
▲ 0.50% · 4.625%
HK$74,016
+HK$3,706/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$140,620/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,093
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,491
−HK$2,436/mo
Today · 4.125%
HK$81,927
baseline
▲ 0.50% · 4.625%
HK$86,912
+HK$4,985/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,854/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,765
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,065
−HK$2,334/mo
Today · 4.125%
HK$90,399
baseline
▲ 0.50% · 4.625%
HK$95,164
+HK$4,765/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,798/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,351 · Scale 2, in force from 26 Feb 2026)