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$42,910
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,245
−HK$1,356/mo
Today · 4.125%
HK$45,601
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,202/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,737
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,017
−HK$1,299/mo
Today · 4.125%
HK$50,316
baseline
▲ 0.50% · 4.625%
HK$52,968
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,632/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,492
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,094
−HK$1,627/mo
Today · 4.125%
HK$54,721
baseline
▲ 0.50% · 4.625%
HK$58,051
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,442/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,285
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,821
−HK$1,558/mo
Today · 4.125%
HK$60,379
baseline
▲ 0.50% · 4.625%
HK$63,562
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,758/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,074
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,943
−HK$1,898/mo
Today · 4.125%
HK$63,841
baseline
▲ 0.50% · 4.625%
HK$67,726
+HK$3,885/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$127,682/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,832
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,624
−HK$1,819/mo
Today · 4.125%
HK$70,443
baseline
▲ 0.50% · 4.625%
HK$74,156
+HK$3,713/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$140,886/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,238
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,641
−HK$2,441/mo
Today · 4.125%
HK$82,082
baseline
▲ 0.50% · 4.625%
HK$87,076
+HK$4,994/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,164/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,927
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,231
−HK$2,338/mo
Today · 4.125%
HK$90,569
baseline
▲ 0.50% · 4.625%
HK$95,343
+HK$4,774/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,138/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,680 · Scale 2, in force from 26 Feb 2026)