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$2,689/mo
▼ 0.25% · 3.875%
HK$44,228
−HK$1,355/mo
Today · 4.125%
HK$45,583
baseline
▲ 0.50% · 4.625%
HK$48,357
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,166/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,719
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,998
−HK$1,299/mo
Today · 4.125%
HK$50,297
baseline
▲ 0.50% · 4.625%
HK$52,948
+HK$2,651/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$705,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,472
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,073
−HK$1,627/mo
Today · 4.125%
HK$54,700
baseline
▲ 0.50% · 4.625%
HK$58,028
+HK$3,328/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,400/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,262
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,798
−HK$1,558/mo
Today · 4.125%
HK$60,356
baseline
▲ 0.50% · 4.625%
HK$63,538
+HK$3,182/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,712/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,051
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,919
−HK$1,898/mo
Today · 4.125%
HK$63,817
baseline
▲ 0.50% · 4.625%
HK$67,700
+HK$3,883/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,634/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,806
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,598
−HK$1,817/mo
Today · 4.125%
HK$70,415
baseline
▲ 0.50% · 4.625%
HK$74,127
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,830/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,208
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,610
−HK$2,440/mo
Today · 4.125%
HK$82,050
baseline
▲ 0.50% · 4.625%
HK$87,043
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,100/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,894
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,197
−HK$2,337/mo
Today · 4.125%
HK$90,534
baseline
▲ 0.50% · 4.625%
HK$95,306
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,068/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,408 · Scale 2, in force from 26 Feb 2026)