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$42,797
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,128
−HK$1,353/mo
Today · 4.125%
HK$45,481
baseline
▲ 0.50% · 4.625%
HK$48,248
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,962/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,611
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,888
−HK$1,295/mo
Today · 4.125%
HK$50,183
baseline
▲ 0.50% · 4.625%
HK$52,828
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,366/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,356
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,954
−HK$1,623/mo
Today · 4.125%
HK$54,577
baseline
▲ 0.50% · 4.625%
HK$57,897
+HK$3,320/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,154/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,133
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,665
−HK$1,555/mo
Today · 4.125%
HK$60,220
baseline
▲ 0.50% · 4.625%
HK$63,394
+HK$3,174/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,440/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,915
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,779
−HK$1,894/mo
Today · 4.125%
HK$63,673
baseline
▲ 0.50% · 4.625%
HK$67,547
+HK$3,874/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,346/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,655
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,443
−HK$1,814/mo
Today · 4.125%
HK$70,257
baseline
▲ 0.50% · 4.625%
HK$73,960
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,514/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,034
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,430
−HK$2,435/mo
Today · 4.125%
HK$81,865
baseline
▲ 0.50% · 4.625%
HK$86,846
+HK$4,981/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,730/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,700
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,998
−HK$2,332/mo
Today · 4.125%
HK$90,330
baseline
▲ 0.50% · 4.625%
HK$95,091
+HK$4,761/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,660/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,816 · Scale 2, in force from 26 Feb 2026)