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$42,809
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,141
−HK$1,353/mo
Today · 4.125%
HK$45,494
baseline
▲ 0.50% · 4.625%
HK$48,262
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,988/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,625
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,902
−HK$1,296/mo
Today · 4.125%
HK$50,198
baseline
▲ 0.50% · 4.625%
HK$52,844
+HK$2,646/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,396/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,371
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,969
−HK$1,624/mo
Today · 4.125%
HK$54,593
baseline
▲ 0.50% · 4.625%
HK$57,914
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,186/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,150
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,683
−HK$1,554/mo
Today · 4.125%
HK$60,237
baseline
▲ 0.50% · 4.625%
HK$63,413
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,474/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,933
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,797
−HK$1,894/mo
Today · 4.125%
HK$63,691
baseline
▲ 0.50% · 4.625%
HK$67,567
+HK$3,876/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,382/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,675
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,463
−HK$1,814/mo
Today · 4.125%
HK$70,277
baseline
▲ 0.50% · 4.625%
HK$73,981
+HK$3,704/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,554/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,057
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,454
−HK$2,435/mo
Today · 4.125%
HK$81,889
baseline
▲ 0.50% · 4.625%
HK$86,872
+HK$4,983/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,778/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,725
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,024
−HK$2,332/mo
Today · 4.125%
HK$90,356
baseline
▲ 0.50% · 4.625%
HK$95,119
+HK$4,763/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,712/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,021 · Scale 2, in force from 26 Feb 2026)