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$42,914
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,249
−HK$1,356/mo
Today · 4.125%
HK$45,605
baseline
▲ 0.50% · 4.625%
HK$48,380
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,210/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,742
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,022
−HK$1,299/mo
Today · 4.125%
HK$50,321
baseline
▲ 0.50% · 4.625%
HK$52,973
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,642/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,497
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,099
−HK$1,627/mo
Today · 4.125%
HK$54,726
baseline
▲ 0.50% · 4.625%
HK$58,056
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,452/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,290
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,826
−HK$1,559/mo
Today · 4.125%
HK$60,385
baseline
▲ 0.50% · 4.625%
HK$63,568
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,770/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,080
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,949
−HK$1,898/mo
Today · 4.125%
HK$63,847
baseline
▲ 0.50% · 4.625%
HK$67,732
+HK$3,885/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$127,694/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,838
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,631
−HK$1,818/mo
Today · 4.125%
HK$70,449
baseline
▲ 0.50% · 4.625%
HK$74,163
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$140,898/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,245
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,648
−HK$2,441/mo
Today · 4.125%
HK$82,089
baseline
▲ 0.50% · 4.625%
HK$87,084
+HK$4,995/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,178/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,935
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,240
−HK$2,338/mo
Today · 4.125%
HK$90,578
baseline
▲ 0.50% · 4.625%
HK$95,352
+HK$4,774/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,156/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,746 · Scale 2, in force from 26 Feb 2026)