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$42,811
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,142
−HK$1,353/mo
Today · 4.125%
HK$45,495
baseline
▲ 0.50% · 4.625%
HK$48,263
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,990/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,626
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,904
−HK$1,295/mo
Today · 4.125%
HK$50,199
baseline
▲ 0.50% · 4.625%
HK$52,846
+HK$2,647/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,398/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,373
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,971
−HK$1,623/mo
Today · 4.125%
HK$54,594
baseline
▲ 0.50% · 4.625%
HK$57,916
+HK$3,322/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,188/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,152
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,684
−HK$1,555/mo
Today · 4.125%
HK$60,239
baseline
▲ 0.50% · 4.625%
HK$63,415
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,478/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,935
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,799
−HK$1,894/mo
Today · 4.125%
HK$63,693
baseline
▲ 0.50% · 4.625%
HK$67,569
+HK$3,876/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,386/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,677
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,465
−HK$1,814/mo
Today · 4.125%
HK$70,279
baseline
▲ 0.50% · 4.625%
HK$73,984
+HK$3,705/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,558/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,059
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,456
−HK$2,435/mo
Today · 4.125%
HK$81,891
baseline
▲ 0.50% · 4.625%
HK$86,874
+HK$4,983/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,782/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,727
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,027
−HK$2,332/mo
Today · 4.125%
HK$90,359
baseline
▲ 0.50% · 4.625%
HK$95,122
+HK$4,763/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,718/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,043 · Scale 2, in force from 26 Feb 2026)