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$42,802
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,133
−HK$1,353/mo
Today · 4.125%
HK$45,486
baseline
▲ 0.50% · 4.625%
HK$48,253
+HK$2,767/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,972/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,616
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,894
−HK$1,295/mo
Today · 4.125%
HK$50,189
baseline
▲ 0.50% · 4.625%
HK$52,835
+HK$2,646/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,378/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,362
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,960
−HK$1,623/mo
Today · 4.125%
HK$54,583
baseline
▲ 0.50% · 4.625%
HK$57,904
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,166/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,140
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,672
−HK$1,555/mo
Today · 4.125%
HK$60,227
baseline
▲ 0.50% · 4.625%
HK$63,402
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,454/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,922
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,786
−HK$1,894/mo
Today · 4.125%
HK$63,680
baseline
▲ 0.50% · 4.625%
HK$67,555
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,360/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,663
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,451
−HK$1,814/mo
Today · 4.125%
HK$70,265
baseline
▲ 0.50% · 4.625%
HK$73,968
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,530/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,043
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,440
−HK$2,434/mo
Today · 4.125%
HK$81,874
baseline
▲ 0.50% · 4.625%
HK$86,856
+HK$4,982/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,748/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,710
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$88,008
−HK$2,332/mo
Today · 4.125%
HK$90,340
baseline
▲ 0.50% · 4.625%
HK$95,102
+HK$4,762/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,680/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,897 · Scale 2, in force from 26 Feb 2026)