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$42,785
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,116
−HK$1,352/mo
Today · 4.125%
HK$45,468
baseline
▲ 0.50% · 4.625%
HK$48,234
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,936/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,598
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,874
−HK$1,295/mo
Today · 4.125%
HK$50,169
baseline
▲ 0.50% · 4.625%
HK$52,814
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,338/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,342
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,939
−HK$1,622/mo
Today · 4.125%
HK$54,561
baseline
▲ 0.50% · 4.625%
HK$57,881
+HK$3,320/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,122/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,117
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,649
−HK$1,554/mo
Today · 4.125%
HK$60,203
baseline
▲ 0.50% · 4.625%
HK$63,377
+HK$3,174/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,406/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,899
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,762
−HK$1,893/mo
Today · 4.125%
HK$63,655
baseline
▲ 0.50% · 4.625%
HK$67,528
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,310/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,637
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,424
−HK$1,813/mo
Today · 4.125%
HK$70,237
baseline
▲ 0.50% · 4.625%
HK$73,939
+HK$3,702/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,474/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,013
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,408
−HK$2,434/mo
Today · 4.125%
HK$81,842
baseline
▲ 0.50% · 4.625%
HK$86,822
+HK$4,980/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,684/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,676
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,974
−HK$2,331/mo
Today · 4.125%
HK$90,305
baseline
▲ 0.50% · 4.625%
HK$95,065
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,610/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,620 · Scale 2, in force from 26 Feb 2026)