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$42,895
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,230
−HK$1,355/mo
Today · 4.125%
HK$45,585
baseline
▲ 0.50% · 4.625%
HK$48,359
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,170/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,721
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,001
−HK$1,298/mo
Today · 4.125%
HK$50,299
baseline
▲ 0.50% · 4.625%
HK$52,950
+HK$2,651/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,598/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,475
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,076
−HK$1,626/mo
Today · 4.125%
HK$54,702
baseline
▲ 0.50% · 4.625%
HK$58,031
+HK$3,329/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,404/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,265
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,801
−HK$1,558/mo
Today · 4.125%
HK$60,359
baseline
▲ 0.50% · 4.625%
HK$63,540
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,718/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,054
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,922
−HK$1,897/mo
Today · 4.125%
HK$63,819
baseline
▲ 0.50% · 4.625%
HK$67,703
+HK$3,884/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,638/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,809
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,601
−HK$1,818/mo
Today · 4.125%
HK$70,419
baseline
▲ 0.50% · 4.625%
HK$74,130
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,838/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,212
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,614
−HK$2,440/mo
Today · 4.125%
HK$82,054
baseline
▲ 0.50% · 4.625%
HK$87,046
+HK$4,992/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,108/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,897
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,201
−HK$2,337/mo
Today · 4.125%
HK$90,538
baseline
▲ 0.50% · 4.625%
HK$95,310
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,076/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,438 · Scale 2, in force from 26 Feb 2026)