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$42,922
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,257
−HK$1,357/mo
Today · 4.125%
HK$45,614
baseline
▲ 0.50% · 4.625%
HK$48,389
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,228/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,751
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,031
−HK$1,299/mo
Today · 4.125%
HK$50,330
baseline
▲ 0.50% · 4.625%
HK$52,983
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,660/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,507
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,109
−HK$1,628/mo
Today · 4.125%
HK$54,737
baseline
▲ 0.50% · 4.625%
HK$58,067
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,474/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,301
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,838
−HK$1,559/mo
Today · 4.125%
HK$60,397
baseline
▲ 0.50% · 4.625%
HK$63,580
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,794/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,091
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,960
−HK$1,899/mo
Today · 4.125%
HK$63,859
baseline
▲ 0.50% · 4.625%
HK$67,745
+HK$3,886/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,718/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,851
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,644
−HK$1,819/mo
Today · 4.125%
HK$70,463
baseline
▲ 0.50% · 4.625%
HK$74,177
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,926/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,260
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,663
−HK$2,442/mo
Today · 4.125%
HK$82,105
baseline
▲ 0.50% · 4.625%
HK$87,101
+HK$4,996/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,210/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,951
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,256
−HK$2,339/mo
Today · 4.125%
HK$90,595
baseline
▲ 0.50% · 4.625%
HK$95,370
+HK$4,775/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,190/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,880 · Scale 2, in force from 26 Feb 2026)