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$42,918
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,253
−HK$1,356/mo
Today · 4.125%
HK$45,609
baseline
▲ 0.50% · 4.625%
HK$48,384
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,218/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,745
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,026
−HK$1,299/mo
Today · 4.125%
HK$50,325
baseline
▲ 0.50% · 4.625%
HK$52,978
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,650/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,501
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,103
−HK$1,628/mo
Today · 4.125%
HK$54,731
baseline
▲ 0.50% · 4.625%
HK$58,061
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,462/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,294
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,831
−HK$1,559/mo
Today · 4.125%
HK$60,390
baseline
▲ 0.50% · 4.625%
HK$63,573
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,780/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,085
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,954
−HK$1,898/mo
Today · 4.125%
HK$63,852
baseline
▲ 0.50% · 4.625%
HK$67,738
+HK$3,886/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$127,704/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,844
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,636
−HK$1,819/mo
Today · 4.125%
HK$70,455
baseline
▲ 0.50% · 4.625%
HK$74,169
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$140,910/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,252
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,655
−HK$2,441/mo
Today · 4.125%
HK$82,096
baseline
▲ 0.50% · 4.625%
HK$87,091
+HK$4,995/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,192/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,942
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,247
−HK$2,338/mo
Today · 4.125%
HK$90,585
baseline
▲ 0.50% · 4.625%
HK$95,360
+HK$4,775/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,170/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,803 · Scale 2, in force from 26 Feb 2026)