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$42,905
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,239
−HK$1,356/mo
Today · 4.125%
HK$45,595
baseline
▲ 0.50% · 4.625%
HK$48,369
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,190/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,731
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,011
−HK$1,299/mo
Today · 4.125%
HK$50,310
baseline
▲ 0.50% · 4.625%
HK$52,962
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,620/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,486
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,087
−HK$1,627/mo
Today · 4.125%
HK$54,714
baseline
▲ 0.50% · 4.625%
HK$58,043
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,428/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,277
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,813
−HK$1,559/mo
Today · 4.125%
HK$60,372
baseline
▲ 0.50% · 4.625%
HK$63,554
+HK$3,182/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,744/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,066
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,935
−HK$1,898/mo
Today · 4.125%
HK$63,833
baseline
▲ 0.50% · 4.625%
HK$67,717
+HK$3,884/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,666/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,823
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,616
−HK$1,818/mo
Today · 4.125%
HK$70,434
baseline
▲ 0.50% · 4.625%
HK$74,146
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,868/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,228
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,631
−HK$2,440/mo
Today · 4.125%
HK$82,071
baseline
▲ 0.50% · 4.625%
HK$87,065
+HK$4,994/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,142/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,916
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,220
−HK$2,338/mo
Today · 4.125%
HK$90,558
baseline
▲ 0.50% · 4.625%
HK$95,331
+HK$4,773/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,116/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,590 · Scale 2, in force from 26 Feb 2026)