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$42,807
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,139
−HK$1,353/mo
Today · 4.125%
HK$45,492
baseline
▲ 0.50% · 4.625%
HK$48,260
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,984/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,623
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,900
−HK$1,296/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$52,841
+HK$2,645/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,369
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,967
−HK$1,623/mo
Today · 4.125%
HK$54,590
baseline
▲ 0.50% · 4.625%
HK$57,912
+HK$3,322/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,180/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,147
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,680
−HK$1,555/mo
Today · 4.125%
HK$60,235
baseline
▲ 0.50% · 4.625%
HK$63,410
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,470/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,930
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,794
−HK$1,894/mo
Today · 4.125%
HK$63,688
baseline
▲ 0.50% · 4.625%
HK$67,564
+HK$3,876/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,376/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,672
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,460
−HK$1,814/mo
Today · 4.125%
HK$70,274
baseline
▲ 0.50% · 4.625%
HK$73,978
+HK$3,704/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,548/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$703,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,053
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,450
−HK$2,435/mo
Today · 4.125%
HK$81,885
baseline
▲ 0.50% · 4.625%
HK$86,868
+HK$4,983/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,770/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,721
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,020
−HK$2,332/mo
Today · 4.125%
HK$90,352
baseline
▲ 0.50% · 4.625%
HK$95,115
+HK$4,763/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,704/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,988 · Scale 2, in force from 26 Feb 2026)