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$42,894
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,228
−HK$1,356/mo
Today · 4.125%
HK$45,584
baseline
▲ 0.50% · 4.625%
HK$48,358
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,168/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,719
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,999
−HK$1,298/mo
Today · 4.125%
HK$50,297
baseline
▲ 0.50% · 4.625%
HK$52,949
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,594/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,473
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,074
−HK$1,627/mo
Today · 4.125%
HK$54,701
baseline
▲ 0.50% · 4.625%
HK$58,029
+HK$3,328/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,402/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,263
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,799
−HK$1,558/mo
Today · 4.125%
HK$60,357
baseline
▲ 0.50% · 4.625%
HK$63,538
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,714/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,052
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,920
−HK$1,898/mo
Today · 4.125%
HK$63,818
baseline
▲ 0.50% · 4.625%
HK$67,701
+HK$3,883/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,636/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,807
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,599
−HK$1,817/mo
Today · 4.125%
HK$70,416
baseline
▲ 0.50% · 4.625%
HK$74,128
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,832/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,209
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,611
−HK$2,440/mo
Today · 4.125%
HK$82,051
baseline
▲ 0.50% · 4.625%
HK$87,044
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,102/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,895
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,198
−HK$2,337/mo
Today · 4.125%
HK$90,535
baseline
▲ 0.50% · 4.625%
HK$95,308
+HK$4,773/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,070/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,417 · Scale 2, in force from 26 Feb 2026)