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$42,919
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,254
−HK$1,357/mo
Today · 4.125%
HK$45,611
baseline
▲ 0.50% · 4.625%
HK$48,386
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,222/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,747
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,028
−HK$1,299/mo
Today · 4.125%
HK$50,327
baseline
▲ 0.50% · 4.625%
HK$52,980
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,654/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,503
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,105
−HK$1,628/mo
Today · 4.125%
HK$54,733
baseline
▲ 0.50% · 4.625%
HK$58,063
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,466/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,297
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,834
−HK$1,558/mo
Today · 4.125%
HK$60,392
baseline
▲ 0.50% · 4.625%
HK$63,576
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,784/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,087
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,956
−HK$1,899/mo
Today · 4.125%
HK$63,855
baseline
▲ 0.50% · 4.625%
HK$67,741
+HK$3,886/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,710/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,846
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,639
−HK$1,819/mo
Today · 4.125%
HK$70,458
baseline
▲ 0.50% · 4.625%
HK$74,172
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,916/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,255
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,658
−HK$2,441/mo
Today · 4.125%
HK$82,099
baseline
▲ 0.50% · 4.625%
HK$87,095
+HK$4,996/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,198/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,945
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,250
−HK$2,339/mo
Today · 4.125%
HK$90,589
baseline
▲ 0.50% · 4.625%
HK$95,364
+HK$4,775/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,178/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,832 · Scale 2, in force from 26 Feb 2026)