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$42,892
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,226
−HK$1,356/mo
Today · 4.125%
HK$45,582
baseline
▲ 0.50% · 4.625%
HK$48,355
+HK$2,773/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,164/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,717
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,997
−HK$1,298/mo
Today · 4.125%
HK$50,295
baseline
▲ 0.50% · 4.625%
HK$52,946
+HK$2,651/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,590/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,470
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,072
−HK$1,626/mo
Today · 4.125%
HK$54,698
baseline
▲ 0.50% · 4.625%
HK$58,026
+HK$3,328/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,396/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,260
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,796
−HK$1,558/mo
Today · 4.125%
HK$60,354
baseline
▲ 0.50% · 4.625%
HK$63,535
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,708/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,049
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,917
−HK$1,898/mo
Today · 4.125%
HK$63,815
baseline
▲ 0.50% · 4.625%
HK$67,697
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,630/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,804
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,595
−HK$1,818/mo
Today · 4.125%
HK$70,413
baseline
▲ 0.50% · 4.625%
HK$74,125
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,826/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,206
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,607
−HK$2,440/mo
Today · 4.125%
HK$82,047
baseline
▲ 0.50% · 4.625%
HK$87,040
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,094/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,891
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,194
−HK$2,337/mo
Today · 4.125%
HK$90,531
baseline
▲ 0.50% · 4.625%
HK$95,303
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,062/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,383 · Scale 2, in force from 26 Feb 2026)