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$42,913
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,248
−HK$1,357/mo
Today · 4.125%
HK$45,605
baseline
▲ 0.50% · 4.625%
HK$48,379
+HK$2,774/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$705,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,741
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,021
−HK$1,299/mo
Today · 4.125%
HK$50,320
baseline
▲ 0.50% · 4.625%
HK$52,973
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,640/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,496
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,098
−HK$1,627/mo
Today · 4.125%
HK$54,725
baseline
▲ 0.50% · 4.625%
HK$58,055
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,450/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,289
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,825
−HK$1,559/mo
Today · 4.125%
HK$60,384
baseline
▲ 0.50% · 4.625%
HK$63,567
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,768/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,079
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,948
−HK$1,898/mo
Today · 4.125%
HK$63,846
baseline
▲ 0.50% · 4.625%
HK$67,731
+HK$3,885/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$127,692/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,837
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,630
−HK$1,818/mo
Today · 4.125%
HK$70,448
baseline
▲ 0.50% · 4.625%
HK$74,162
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$140,896/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,244
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,647
−HK$2,441/mo
Today · 4.125%
HK$82,088
baseline
▲ 0.50% · 4.625%
HK$87,083
+HK$4,995/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,176/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,933
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,238
−HK$2,338/mo
Today · 4.125%
HK$90,576
baseline
▲ 0.50% · 4.625%
HK$95,351
+HK$4,775/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,152/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,734 · Scale 2, in force from 26 Feb 2026)