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$42,926
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,261
−HK$1,357/mo
Today · 4.125%
HK$45,618
baseline
▲ 0.50% · 4.625%
HK$48,393
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,236/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,754
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,035
−HK$1,300/mo
Today · 4.125%
HK$50,335
baseline
▲ 0.50% · 4.625%
HK$52,988
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,670/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,511
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,113
−HK$1,628/mo
Today · 4.125%
HK$54,741
baseline
▲ 0.50% · 4.625%
HK$58,072
+HK$3,331/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,482/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,305
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,842
−HK$1,559/mo
Today · 4.125%
HK$60,401
baseline
▲ 0.50% · 4.625%
HK$63,585
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,802/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,096
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,965
−HK$1,900/mo
Today · 4.125%
HK$63,865
baseline
▲ 0.50% · 4.625%
HK$67,751
+HK$3,886/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,730/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,856
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,649
−HK$1,819/mo
Today · 4.125%
HK$70,468
baseline
▲ 0.50% · 4.625%
HK$74,183
+HK$3,715/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,936/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,266
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,670
−HK$2,442/mo
Today · 4.125%
HK$82,112
baseline
▲ 0.50% · 4.625%
HK$87,108
+HK$4,996/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,224/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,958
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,263
−HK$2,339/mo
Today · 4.125%
HK$90,602
baseline
▲ 0.50% · 4.625%
HK$95,378
+HK$4,776/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,204/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,937 · Scale 2, in force from 26 Feb 2026)