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$42,828
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,161
−HK$1,353/mo
Today · 4.125%
HK$45,514
baseline
▲ 0.50% · 4.625%
HK$48,284
+HK$2,770/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,028/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,646
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,924
−HK$1,296/mo
Today · 4.125%
HK$50,220
baseline
▲ 0.50% · 4.625%
HK$52,868
+HK$2,648/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,440/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,394
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,993
−HK$1,624/mo
Today · 4.125%
HK$54,617
baseline
▲ 0.50% · 4.625%
HK$57,940
+HK$3,323/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,234/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,175
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,709
−HK$1,555/mo
Today · 4.125%
HK$60,264
baseline
▲ 0.50% · 4.625%
HK$63,441
+HK$3,177/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,528/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,960
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,825
−HK$1,895/mo
Today · 4.125%
HK$63,720
baseline
▲ 0.50% · 4.625%
HK$67,597
+HK$3,877/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$127,440/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,705
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,494
−HK$1,815/mo
Today · 4.125%
HK$70,309
baseline
▲ 0.50% · 4.625%
HK$74,015
+HK$3,706/mo
Deposit HK$5.63M · loan HK$13.15M · min. income ≈ HK$140,618/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,091
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,489
−HK$2,436/mo
Today · 4.125%
HK$81,925
baseline
▲ 0.50% · 4.625%
HK$86,910
+HK$4,985/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,850/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,763
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,063
−HK$2,334/mo
Today · 4.125%
HK$90,397
baseline
▲ 0.50% · 4.625%
HK$95,162
+HK$4,765/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,794/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,336 · Scale 2, in force from 26 Feb 2026)