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$42,849
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,182
−HK$1,354/mo
Today · 4.125%
HK$45,536
baseline
▲ 0.50% · 4.625%
HK$48,307
+HK$2,771/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,072/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,670
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,948
−HK$1,297/mo
Today · 4.125%
HK$50,245
baseline
▲ 0.50% · 4.625%
HK$52,893
+HK$2,648/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,490/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,419
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,019
−HK$1,625/mo
Today · 4.125%
HK$54,644
baseline
▲ 0.50% · 4.625%
HK$57,969
+HK$3,325/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$109,288/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,203
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,738
−HK$1,556/mo
Today · 4.125%
HK$60,294
baseline
▲ 0.50% · 4.625%
HK$63,472
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$120,588/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,989
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,855
−HK$1,896/mo
Today · 4.125%
HK$63,751
baseline
▲ 0.50% · 4.625%
HK$67,630
+HK$3,879/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,502/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,737
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,527
−HK$1,816/mo
Today · 4.125%
HK$70,343
baseline
▲ 0.50% · 4.625%
HK$74,051
+HK$3,708/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,686/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,129
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,528
−HK$2,438/mo
Today · 4.125%
HK$81,966
baseline
▲ 0.50% · 4.625%
HK$86,953
+HK$4,987/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,932/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,805
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,106
−HK$2,335/mo
Today · 4.125%
HK$90,441
baseline
▲ 0.50% · 4.625%
HK$95,208
+HK$4,767/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,882/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,681 · Scale 2, in force from 26 Feb 2026)