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$42,878
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,212
−HK$1,355/mo
Today · 4.125%
HK$45,567
baseline
▲ 0.50% · 4.625%
HK$48,339
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,134/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,701
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,981
−HK$1,297/mo
Today · 4.125%
HK$50,278
baseline
▲ 0.50% · 4.625%
HK$52,929
+HK$2,651/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,556/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,454
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,054
−HK$1,626/mo
Today · 4.125%
HK$54,680
baseline
▲ 0.50% · 4.625%
HK$58,007
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,360/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,242
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,777
−HK$1,557/mo
Today · 4.125%
HK$60,334
baseline
▲ 0.50% · 4.625%
HK$63,514
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,668/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,029
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,896
−HK$1,897/mo
Today · 4.125%
HK$63,793
baseline
▲ 0.50% · 4.625%
HK$67,675
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,586/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,782
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,573
−HK$1,817/mo
Today · 4.125%
HK$70,390
baseline
▲ 0.50% · 4.625%
HK$74,100
+HK$3,710/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,780/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,180
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,581
−HK$2,439/mo
Today · 4.125%
HK$82,020
baseline
▲ 0.50% · 4.625%
HK$87,011
+HK$4,991/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,040/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,862
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,165
−HK$2,336/mo
Today · 4.125%
HK$90,501
baseline
▲ 0.50% · 4.625%
HK$95,272
+HK$4,771/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$181,002/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,150 · Scale 2, in force from 26 Feb 2026)