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$42,867
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,200
−HK$1,355/mo
Today · 4.125%
HK$45,555
baseline
▲ 0.50% · 4.625%
HK$48,327
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,110/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,689
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,968
−HK$1,297/mo
Today · 4.125%
HK$50,265
baseline
▲ 0.50% · 4.625%
HK$52,915
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,530/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,440
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,040
−HK$1,626/mo
Today · 4.125%
HK$54,666
baseline
▲ 0.50% · 4.625%
HK$57,992
+HK$3,326/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,332/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,226
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,761
−HK$1,557/mo
Today · 4.125%
HK$60,318
baseline
▲ 0.50% · 4.625%
HK$63,498
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,636/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,013
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,880
−HK$1,897/mo
Today · 4.125%
HK$63,777
baseline
▲ 0.50% · 4.625%
HK$67,657
+HK$3,880/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,554/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,764
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,555
−HK$1,816/mo
Today · 4.125%
HK$70,371
baseline
▲ 0.50% · 4.625%
HK$74,080
+HK$3,709/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,742/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,160
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,560
−HK$2,438/mo
Today · 4.125%
HK$81,998
baseline
▲ 0.50% · 4.625%
HK$86,988
+HK$4,990/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$163,996/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,839
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,142
−HK$2,335/mo
Today · 4.125%
HK$90,477
baseline
▲ 0.50% · 4.625%
HK$95,246
+HK$4,769/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,954/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,963 · Scale 2, in force from 26 Feb 2026)