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$42,811
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,143
−HK$1,353/mo
Today · 4.125%
HK$45,496
baseline
▲ 0.50% · 4.625%
HK$48,264
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,992/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,627
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,904
−HK$1,296/mo
Today · 4.125%
HK$50,200
baseline
▲ 0.50% · 4.625%
HK$52,846
+HK$2,646/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,400/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,373
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,971
−HK$1,624/mo
Today · 4.125%
HK$54,595
baseline
▲ 0.50% · 4.625%
HK$57,917
+HK$3,322/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,190/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,152
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,685
−HK$1,555/mo
Today · 4.125%
HK$60,240
baseline
▲ 0.50% · 4.625%
HK$63,415
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,480/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,935
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,800
−HK$1,894/mo
Today · 4.125%
HK$63,694
baseline
▲ 0.50% · 4.625%
HK$67,569
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,388/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,677
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,466
−HK$1,814/mo
Today · 4.125%
HK$70,280
baseline
▲ 0.50% · 4.625%
HK$73,984
+HK$3,704/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,560/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,060
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,457
−HK$2,435/mo
Today · 4.125%
HK$81,892
baseline
▲ 0.50% · 4.625%
HK$86,875
+HK$4,983/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,784/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,728
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,027
−HK$2,333/mo
Today · 4.125%
HK$90,360
baseline
▲ 0.50% · 4.625%
HK$95,123
+HK$4,763/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,720/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,049 · Scale 2, in force from 26 Feb 2026)