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$2,690/mo
▼ 0.25% · 3.875%
HK$44,240
−HK$1,356/mo
Today · 4.125%
HK$45,596
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,192/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,732
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,012
−HK$1,299/mo
Today · 4.125%
HK$50,311
baseline
▲ 0.50% · 4.625%
HK$52,963
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,622/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,487
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,088
−HK$1,628/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$705,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,279
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,815
−HK$1,558/mo
Today · 4.125%
HK$60,373
baseline
▲ 0.50% · 4.625%
HK$63,556
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,746/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,068
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,936
−HK$1,899/mo
Today · 4.125%
HK$63,835
baseline
▲ 0.50% · 4.625%
HK$67,719
+HK$3,884/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$705,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,825
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,617
−HK$1,818/mo
Today · 4.125%
HK$70,435
baseline
▲ 0.50% · 4.625%
HK$74,148
+HK$3,713/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,870/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,230
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,633
−HK$2,440/mo
Today · 4.125%
HK$82,073
baseline
▲ 0.50% · 4.625%
HK$87,067
+HK$4,994/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,146/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,918
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,222
−HK$2,338/mo
Today · 4.125%
HK$90,560
baseline
▲ 0.50% · 4.625%
HK$95,333
+HK$4,773/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,120/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,607 · Scale 2, in force from 26 Feb 2026)