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$42,893
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,227
−HK$1,356/mo
Today · 4.125%
HK$45,583
baseline
▲ 0.50% · 4.625%
HK$48,356
+HK$2,773/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,166/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,718
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,998
−HK$1,298/mo
Today · 4.125%
HK$50,296
baseline
▲ 0.50% · 4.625%
HK$52,947
+HK$2,651/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,592/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,472
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,073
−HK$1,626/mo
Today · 4.125%
HK$54,699
baseline
▲ 0.50% · 4.625%
HK$58,028
+HK$3,329/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,398/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,262
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,797
−HK$1,558/mo
Today · 4.125%
HK$60,355
baseline
▲ 0.50% · 4.625%
HK$63,537
+HK$3,182/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,710/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,050
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,918
−HK$1,898/mo
Today · 4.125%
HK$63,816
baseline
▲ 0.50% · 4.625%
HK$67,699
+HK$3,883/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,632/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,805
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,597
−HK$1,818/mo
Today · 4.125%
HK$70,415
baseline
▲ 0.50% · 4.625%
HK$74,126
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,830/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,207
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,609
−HK$2,440/mo
Today · 4.125%
HK$82,049
baseline
▲ 0.50% · 4.625%
HK$87,041
+HK$4,992/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,098/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,892
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,196
−HK$2,337/mo
Today · 4.125%
HK$90,533
baseline
▲ 0.50% · 4.625%
HK$95,305
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,066/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,398 · Scale 2, in force from 26 Feb 2026)