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$42,883
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,217
−HK$1,355/mo
Today · 4.125%
HK$45,572
baseline
▲ 0.50% · 4.625%
HK$48,345
+HK$2,773/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,144/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,707
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,987
−HK$1,298/mo
Today · 4.125%
HK$50,285
baseline
▲ 0.50% · 4.625%
HK$52,935
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,570/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,460
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,060
−HK$1,627/mo
Today · 4.125%
HK$54,687
baseline
▲ 0.50% · 4.625%
HK$58,014
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,374/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,248
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,784
−HK$1,557/mo
Today · 4.125%
HK$60,341
baseline
▲ 0.50% · 4.625%
HK$63,522
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,682/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,036
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,904
−HK$1,897/mo
Today · 4.125%
HK$63,801
baseline
▲ 0.50% · 4.625%
HK$67,683
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,602/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,790
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,581
−HK$1,817/mo
Today · 4.125%
HK$70,398
baseline
▲ 0.50% · 4.625%
HK$74,109
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,796/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,190
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,591
−HK$2,439/mo
Today · 4.125%
HK$82,030
baseline
▲ 0.50% · 4.625%
HK$87,021
+HK$4,991/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,060/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,873
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,176
−HK$2,336/mo
Today · 4.125%
HK$90,512
baseline
▲ 0.50% · 4.625%
HK$95,283
+HK$4,771/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,024/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,236 · Scale 2, in force from 26 Feb 2026)