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$42,906
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,241
−HK$1,356/mo
Today · 4.125%
HK$45,597
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,194/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,733
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,013
−HK$1,299/mo
Today · 4.125%
HK$50,312
baseline
▲ 0.50% · 4.625%
HK$52,964
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,624/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,487
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,089
−HK$1,627/mo
Today · 4.125%
HK$54,716
baseline
▲ 0.50% · 4.625%
HK$58,045
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,432/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,279
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,815
−HK$1,559/mo
Today · 4.125%
HK$60,374
baseline
▲ 0.50% · 4.625%
HK$63,556
+HK$3,182/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,748/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,069
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,937
−HK$1,898/mo
Today · 4.125%
HK$63,835
baseline
▲ 0.50% · 4.625%
HK$67,720
+HK$3,885/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,670/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,826
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,618
−HK$1,818/mo
Today · 4.125%
HK$70,436
baseline
▲ 0.50% · 4.625%
HK$74,149
+HK$3,713/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,872/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,231
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,633
−HK$2,441/mo
Today · 4.125%
HK$82,074
baseline
▲ 0.50% · 4.625%
HK$87,068
+HK$4,994/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,148/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,919
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,223
−HK$2,338/mo
Today · 4.125%
HK$90,561
baseline
▲ 0.50% · 4.625%
HK$95,334
+HK$4,773/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,122/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,615 · Scale 2, in force from 26 Feb 2026)