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$42,893
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,227
−HK$1,355/mo
Today · 4.125%
HK$45,582
baseline
▲ 0.50% · 4.625%
HK$48,356
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,164/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,718
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,998
−HK$1,298/mo
Today · 4.125%
HK$50,296
baseline
▲ 0.50% · 4.625%
HK$52,947
+HK$2,651/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,592/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,471
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,072
−HK$1,627/mo
Today · 4.125%
HK$54,699
baseline
▲ 0.50% · 4.625%
HK$58,027
+HK$3,328/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,398/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,261
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,797
−HK$1,558/mo
Today · 4.125%
HK$60,355
baseline
▲ 0.50% · 4.625%
HK$63,536
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,710/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,050
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,918
−HK$1,897/mo
Today · 4.125%
HK$63,815
baseline
▲ 0.50% · 4.625%
HK$67,699
+HK$3,884/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,630/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,805
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,597
−HK$1,817/mo
Today · 4.125%
HK$70,414
baseline
▲ 0.50% · 4.625%
HK$74,126
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,828/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,207
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,608
−HK$2,440/mo
Today · 4.125%
HK$82,048
baseline
▲ 0.50% · 4.625%
HK$87,041
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,096/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,892
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,196
−HK$2,336/mo
Today · 4.125%
HK$90,532
baseline
▲ 0.50% · 4.625%
HK$95,304
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,064/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,394 · Scale 2, in force from 26 Feb 2026)