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$42,794
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,125
−HK$1,352/mo
Today · 4.125%
HK$45,477
baseline
▲ 0.50% · 4.625%
HK$48,245
+HK$2,768/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,954/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,608
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,885
−HK$1,295/mo
Today · 4.125%
HK$50,180
baseline
▲ 0.50% · 4.625%
HK$52,825
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,360/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,353
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,950
−HK$1,623/mo
Today · 4.125%
HK$54,573
baseline
▲ 0.50% · 4.625%
HK$57,893
+HK$3,320/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,146/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,129
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,661
−HK$1,555/mo
Today · 4.125%
HK$60,216
baseline
▲ 0.50% · 4.625%
HK$63,390
+HK$3,174/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,432/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,911
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,775
−HK$1,893/mo
Today · 4.125%
HK$63,668
baseline
▲ 0.50% · 4.625%
HK$67,542
+HK$3,874/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,336/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,651
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,438
−HK$1,814/mo
Today · 4.125%
HK$70,252
baseline
▲ 0.50% · 4.625%
HK$73,955
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,504/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,029
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,425
−HK$2,434/mo
Today · 4.125%
HK$81,859
baseline
▲ 0.50% · 4.625%
HK$86,840
+HK$4,981/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,718/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,694
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,992
−HK$2,332/mo
Today · 4.125%
HK$90,324
baseline
▲ 0.50% · 4.625%
HK$95,085
+HK$4,761/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,648/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,767 · Scale 2, in force from 26 Feb 2026)