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$42,921
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,256
−HK$1,357/mo
Today · 4.125%
HK$45,613
baseline
▲ 0.50% · 4.625%
HK$48,388
+HK$2,775/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$705,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,750
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,030
−HK$1,299/mo
Today · 4.125%
HK$50,329
baseline
▲ 0.50% · 4.625%
HK$52,982
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,658/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,506
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,108
−HK$1,627/mo
Today · 4.125%
HK$54,735
baseline
▲ 0.50% · 4.625%
HK$58,066
+HK$3,331/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,470/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,299
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,836
−HK$1,559/mo
Today · 4.125%
HK$60,395
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,790/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,090
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,959
−HK$1,899/mo
Today · 4.125%
HK$63,858
baseline
▲ 0.50% · 4.625%
HK$67,744
+HK$3,886/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,716/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,849
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,642
−HK$1,819/mo
Today · 4.125%
HK$70,461
baseline
▲ 0.50% · 4.625%
HK$74,175
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,922/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,258
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,662
−HK$2,441/mo
Today · 4.125%
HK$82,103
baseline
▲ 0.50% · 4.625%
HK$87,099
+HK$4,996/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,206/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,949
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,254
−HK$2,339/mo
Today · 4.125%
HK$90,593
baseline
▲ 0.50% · 4.625%
HK$95,368
+HK$4,775/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,186/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,864 · Scale 2, in force from 26 Feb 2026)