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$42,930
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,266
−HK$1,356/mo
Today · 4.125%
HK$45,622
baseline
▲ 0.50% · 4.625%
HK$48,398
+HK$2,776/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,244/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,759
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,040
−HK$1,300/mo
Today · 4.125%
HK$50,340
baseline
▲ 0.50% · 4.625%
HK$52,993
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,680/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,516
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,119
−HK$1,628/mo
Today · 4.125%
HK$54,747
baseline
▲ 0.50% · 4.625%
HK$58,078
+HK$3,331/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,494/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,311
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,848
−HK$1,560/mo
Today · 4.125%
HK$60,408
baseline
▲ 0.50% · 4.625%
HK$63,592
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,816/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,102
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,972
−HK$1,899/mo
Today · 4.125%
HK$63,871
baseline
▲ 0.50% · 4.625%
HK$67,758
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,742/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,863
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,656
−HK$1,820/mo
Today · 4.125%
HK$70,476
baseline
▲ 0.50% · 4.625%
HK$74,190
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,952/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,274
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,678
−HK$2,442/mo
Today · 4.125%
HK$82,120
baseline
▲ 0.50% · 4.625%
HK$87,117
+HK$4,997/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,240/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,967
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,273
−HK$2,339/mo
Today · 4.125%
HK$90,612
baseline
▲ 0.50% · 4.625%
HK$95,388
+HK$4,776/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,224/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,010 · Scale 2, in force from 26 Feb 2026)