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$42,845
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,177
−HK$1,354/mo
Today · 4.125%
HK$45,531
baseline
▲ 0.50% · 4.625%
HK$48,302
+HK$2,771/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,062/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,664
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,942
−HK$1,297/mo
Today · 4.125%
HK$50,239
baseline
▲ 0.50% · 4.625%
HK$52,887
+HK$2,648/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,478/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,413
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,013
−HK$1,624/mo
Today · 4.125%
HK$54,637
baseline
▲ 0.50% · 4.625%
HK$57,962
+HK$3,325/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$109,274/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,197
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,731
−HK$1,556/mo
Today · 4.125%
HK$60,287
baseline
▲ 0.50% · 4.625%
HK$63,465
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$120,574/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,982
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,848
−HK$1,896/mo
Today · 4.125%
HK$63,744
baseline
▲ 0.50% · 4.625%
HK$67,622
+HK$3,878/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,488/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,730
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,519
−HK$1,816/mo
Today · 4.125%
HK$70,335
baseline
▲ 0.50% · 4.625%
HK$74,042
+HK$3,707/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,670/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,120
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,519
−HK$2,437/mo
Today · 4.125%
HK$81,956
baseline
▲ 0.50% · 4.625%
HK$86,943
+HK$4,987/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,912/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,795
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,096
−HK$2,335/mo
Today · 4.125%
HK$90,431
baseline
▲ 0.50% · 4.625%
HK$95,197
+HK$4,766/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,862/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,601 · Scale 2, in force from 26 Feb 2026)