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$42,907
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,242
−HK$1,356/mo
Today · 4.125%
HK$45,598
baseline
▲ 0.50% · 4.625%
HK$48,372
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,196/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,734
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,014
−HK$1,299/mo
Today · 4.125%
HK$50,313
baseline
▲ 0.50% · 4.625%
HK$52,965
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,626/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,488
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,090
−HK$1,627/mo
Today · 4.125%
HK$54,717
baseline
▲ 0.50% · 4.625%
HK$58,047
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,434/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,280
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,817
−HK$1,558/mo
Today · 4.125%
HK$60,375
baseline
▲ 0.50% · 4.625%
HK$63,558
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,750/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,070
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,938
−HK$1,899/mo
Today · 4.125%
HK$63,837
baseline
▲ 0.50% · 4.625%
HK$67,721
+HK$3,884/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$127,674/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,827
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,619
−HK$1,819/mo
Today · 4.125%
HK$70,438
baseline
▲ 0.50% · 4.625%
HK$74,150
+HK$3,712/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$140,876/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,233
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,635
−HK$2,441/mo
Today · 4.125%
HK$82,076
baseline
▲ 0.50% · 4.625%
HK$87,070
+HK$4,994/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,152/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,921
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,225
−HK$2,338/mo
Today · 4.125%
HK$90,563
baseline
▲ 0.50% · 4.625%
HK$95,336
+HK$4,773/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,126/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,630 · Scale 2, in force from 26 Feb 2026)