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$42,822
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,154
−HK$1,353/mo
Today · 4.125%
HK$45,507
baseline
▲ 0.50% · 4.625%
HK$48,276
+HK$2,769/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,014/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,639
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,917
−HK$1,296/mo
Today · 4.125%
HK$50,213
baseline
▲ 0.50% · 4.625%
HK$52,860
+HK$2,647/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,426/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,387
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,985
−HK$1,624/mo
Today · 4.125%
HK$54,609
baseline
▲ 0.50% · 4.625%
HK$57,932
+HK$3,323/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,218/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,167
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,700
−HK$1,556/mo
Today · 4.125%
HK$60,256
baseline
▲ 0.50% · 4.625%
HK$63,432
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,512/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,951
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,816
−HK$1,894/mo
Today · 4.125%
HK$63,710
baseline
▲ 0.50% · 4.625%
HK$67,587
+HK$3,877/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$127,420/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,695
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,484
−HK$1,814/mo
Today · 4.125%
HK$70,298
baseline
▲ 0.50% · 4.625%
HK$74,004
+HK$3,706/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$140,596/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,080
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,477
−HK$2,436/mo
Today · 4.125%
HK$81,913
baseline
▲ 0.50% · 4.625%
HK$86,898
+HK$4,985/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,826/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,750
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,050
−HK$2,333/mo
Today · 4.125%
HK$90,383
baseline
▲ 0.50% · 4.625%
HK$95,148
+HK$4,765/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,766/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,232 · Scale 2, in force from 26 Feb 2026)