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$42,922
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,257
−HK$1,356/mo
Today · 4.125%
HK$45,613
baseline
▲ 0.50% · 4.625%
HK$48,389
+HK$2,776/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,226/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,750
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,031
−HK$1,299/mo
Today · 4.125%
HK$50,330
baseline
▲ 0.50% · 4.625%
HK$52,983
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,660/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,506
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,108
−HK$1,628/mo
Today · 4.125%
HK$54,736
baseline
▲ 0.50% · 4.625%
HK$58,067
+HK$3,331/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,472/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,300
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,837
−HK$1,559/mo
Today · 4.125%
HK$60,396
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,792/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,091
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,960
−HK$1,899/mo
Today · 4.125%
HK$63,859
baseline
▲ 0.50% · 4.625%
HK$67,744
+HK$3,885/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,718/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,850
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,643
−HK$1,819/mo
Today · 4.125%
HK$70,462
baseline
▲ 0.50% · 4.625%
HK$74,176
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,924/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,259
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,662
−HK$2,442/mo
Today · 4.125%
HK$82,104
baseline
▲ 0.50% · 4.625%
HK$87,100
+HK$4,996/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,208/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,950
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,255
−HK$2,339/mo
Today · 4.125%
HK$90,594
baseline
▲ 0.50% · 4.625%
HK$95,369
+HK$4,775/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,188/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,872 · Scale 2, in force from 26 Feb 2026)