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$42,903
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,238
−HK$1,356/mo
Today · 4.125%
HK$45,594
baseline
▲ 0.50% · 4.625%
HK$48,368
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,188/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,729
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,009
−HK$1,299/mo
Today · 4.125%
HK$50,308
baseline
▲ 0.50% · 4.625%
HK$52,960
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,616/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,484
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,085
−HK$1,627/mo
Today · 4.125%
HK$54,712
baseline
▲ 0.50% · 4.625%
HK$58,041
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,424/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,275
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,811
−HK$1,559/mo
Today · 4.125%
HK$60,370
baseline
▲ 0.50% · 4.625%
HK$63,552
+HK$3,182/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,740/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,064
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,933
−HK$1,898/mo
Today · 4.125%
HK$63,831
baseline
▲ 0.50% · 4.625%
HK$67,715
+HK$3,884/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,662/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,821
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,613
−HK$1,818/mo
Today · 4.125%
HK$70,431
baseline
▲ 0.50% · 4.625%
HK$74,144
+HK$3,713/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,862/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,226
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,628
−HK$2,441/mo
Today · 4.125%
HK$82,069
baseline
▲ 0.50% · 4.625%
HK$87,062
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,138/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,913
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,217
−HK$2,338/mo
Today · 4.125%
HK$90,555
baseline
▲ 0.50% · 4.625%
HK$95,328
+HK$4,773/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,110/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,566 · Scale 2, in force from 26 Feb 2026)