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$42,796
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,128
−HK$1,352/mo
Today · 4.125%
HK$45,480
baseline
▲ 0.50% · 4.625%
HK$48,248
+HK$2,768/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,960/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,811 · 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$703,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,356
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,953
−HK$1,623/mo
Today · 4.125%
HK$54,576
baseline
▲ 0.50% · 4.625%
HK$57,897
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,152/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,133
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,665
−HK$1,554/mo
Today · 4.125%
HK$60,219
baseline
▲ 0.50% · 4.625%
HK$63,394
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,438/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,915
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,779
−HK$1,893/mo
Today · 4.125%
HK$63,672
baseline
▲ 0.50% · 4.625%
HK$67,547
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,344/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,655
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,443
−HK$1,813/mo
Today · 4.125%
HK$70,256
baseline
▲ 0.50% · 4.625%
HK$73,959
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,512/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,034
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,430
−HK$2,434/mo
Today · 4.125%
HK$81,864
baseline
▲ 0.50% · 4.625%
HK$86,846
+HK$4,982/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,728/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,699
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,998
−HK$2,331/mo
Today · 4.125%
HK$90,329
baseline
▲ 0.50% · 4.625%
HK$95,091
+HK$4,762/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,658/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,811 · Scale 2, in force from 26 Feb 2026)