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$42,897
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,231
−HK$1,356/mo
Today · 4.125%
HK$45,587
baseline
▲ 0.50% · 4.625%
HK$48,361
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,174/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,723
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,002
−HK$1,299/mo
Today · 4.125%
HK$50,301
baseline
▲ 0.50% · 4.625%
HK$52,952
+HK$2,651/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,602/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,476
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,078
−HK$1,626/mo
Today · 4.125%
HK$54,704
baseline
▲ 0.50% · 4.625%
HK$58,033
+HK$3,329/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,408/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,267
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,803
−HK$1,558/mo
Today · 4.125%
HK$60,361
baseline
▲ 0.50% · 4.625%
HK$63,543
+HK$3,182/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,722/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,056
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,924
−HK$1,898/mo
Today · 4.125%
HK$63,822
baseline
▲ 0.50% · 4.625%
HK$67,705
+HK$3,883/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,644/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,812
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,603
−HK$1,818/mo
Today · 4.125%
HK$70,421
baseline
▲ 0.50% · 4.625%
HK$74,133
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,842/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,215
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,616
−HK$2,441/mo
Today · 4.125%
HK$82,057
baseline
▲ 0.50% · 4.625%
HK$87,050
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,114/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,901
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,204
−HK$2,337/mo
Today · 4.125%
HK$90,541
baseline
▲ 0.50% · 4.625%
HK$95,314
+HK$4,773/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,082/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,464 · Scale 2, in force from 26 Feb 2026)