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$42,781
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,112
−HK$1,352/mo
Today · 4.125%
HK$45,464
baseline
▲ 0.50% · 4.625%
HK$48,230
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,928/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,594
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,870
−HK$1,295/mo
Today · 4.125%
HK$50,165
baseline
▲ 0.50% · 4.625%
HK$52,809
+HK$2,644/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,330/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,337
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,934
−HK$1,623/mo
Today · 4.125%
HK$54,557
baseline
▲ 0.50% · 4.625%
HK$57,876
+HK$3,319/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,114/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,112
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,644
−HK$1,554/mo
Today · 4.125%
HK$60,198
baseline
▲ 0.50% · 4.625%
HK$63,371
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,396/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,894
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,757
−HK$1,892/mo
Today · 4.125%
HK$63,649
baseline
▲ 0.50% · 4.625%
HK$67,522
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,298/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,631
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,418
−HK$1,813/mo
Today · 4.125%
HK$70,231
baseline
▲ 0.50% · 4.625%
HK$73,933
+HK$3,702/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,462/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,006
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,401
−HK$2,434/mo
Today · 4.125%
HK$81,835
baseline
▲ 0.50% · 4.625%
HK$86,814
+HK$4,979/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,670/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,668
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,966
−HK$2,331/mo
Today · 4.125%
HK$90,297
baseline
▲ 0.50% · 4.625%
HK$95,056
+HK$4,759/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,594/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,558 · Scale 2, in force from 26 Feb 2026)