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$42,927
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,263
−HK$1,356/mo
Today · 4.125%
HK$45,619
baseline
▲ 0.50% · 4.625%
HK$48,395
+HK$2,776/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,238/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,756
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,037
−HK$1,299/mo
Today · 4.125%
HK$50,336
baseline
▲ 0.50% · 4.625%
HK$52,990
+HK$2,654/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,672/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,513
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,115
−HK$1,628/mo
Today · 4.125%
HK$54,743
baseline
▲ 0.50% · 4.625%
HK$58,074
+HK$3,331/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,486/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,308
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,845
−HK$1,559/mo
Today · 4.125%
HK$60,404
baseline
▲ 0.50% · 4.625%
HK$63,588
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,808/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,098
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,968
−HK$1,899/mo
Today · 4.125%
HK$63,867
baseline
▲ 0.50% · 4.625%
HK$67,753
+HK$3,886/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,734/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,859
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,652
−HK$1,819/mo
Today · 4.125%
HK$70,471
baseline
▲ 0.50% · 4.625%
HK$74,186
+HK$3,715/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,942/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,269
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,673
−HK$2,442/mo
Today · 4.125%
HK$82,115
baseline
▲ 0.50% · 4.625%
HK$87,111
+HK$4,996/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,230/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,961
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,267
−HK$2,339/mo
Today · 4.125%
HK$90,606
baseline
▲ 0.50% · 4.625%
HK$95,382
+HK$4,776/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,212/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,964 · Scale 2, in force from 26 Feb 2026)