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$42,927
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,262
−HK$1,357/mo
Today · 4.125%
HK$45,619
baseline
▲ 0.50% · 4.625%
HK$48,394
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,238/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,756
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,036
−HK$1,300/mo
Today · 4.125%
HK$50,336
baseline
▲ 0.50% · 4.625%
HK$52,989
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,672/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,512
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,114
−HK$1,628/mo
Today · 4.125%
HK$54,742
baseline
▲ 0.50% · 4.625%
HK$58,073
+HK$3,331/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,484/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,307
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,844
−HK$1,559/mo
Today · 4.125%
HK$60,403
baseline
▲ 0.50% · 4.625%
HK$63,587
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,806/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,098
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,967
−HK$1,899/mo
Today · 4.125%
HK$63,866
baseline
▲ 0.50% · 4.625%
HK$67,752
+HK$3,886/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,732/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,858
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,651
−HK$1,819/mo
Today · 4.125%
HK$70,470
baseline
▲ 0.50% · 4.625%
HK$74,185
+HK$3,715/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,940/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,268
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,672
−HK$2,442/mo
Today · 4.125%
HK$82,114
baseline
▲ 0.50% · 4.625%
HK$87,110
+HK$4,996/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,228/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,960
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,266
−HK$2,338/mo
Today · 4.125%
HK$90,604
baseline
▲ 0.50% · 4.625%
HK$95,380
+HK$4,776/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,208/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,954 · Scale 2, in force from 26 Feb 2026)