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$44,216
−HK$1,356/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$705,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,706
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,986
−HK$1,298/mo
Today · 4.125%
HK$50,284
baseline
▲ 0.50% · 4.625%
HK$52,934
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,568/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,459
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,060
−HK$1,626/mo
Today · 4.125%
HK$54,686
baseline
▲ 0.50% · 4.625%
HK$58,013
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,372/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,248
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,783
−HK$1,558/mo
Today · 4.125%
HK$60,341
baseline
▲ 0.50% · 4.625%
HK$63,521
+HK$3,180/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$705,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,036
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,903
−HK$1,897/mo
Today · 4.125%
HK$63,800
baseline
▲ 0.50% · 4.625%
HK$67,682
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,600/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,789
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,580
−HK$1,817/mo
Today · 4.125%
HK$70,397
baseline
▲ 0.50% · 4.625%
HK$74,108
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,794/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,189
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,590
−HK$2,439/mo
Today · 4.125%
HK$82,029
baseline
▲ 0.50% · 4.625%
HK$87,020
+HK$4,991/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,058/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,871
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,174
−HK$2,337/mo
Today · 4.125%
HK$90,511
baseline
▲ 0.50% · 4.625%
HK$95,282
+HK$4,771/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,022/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,226 · Scale 2, in force from 26 Feb 2026)