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$42,898
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,232
−HK$1,356/mo
Today · 4.125%
HK$45,588
baseline
▲ 0.50% · 4.625%
HK$48,362
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,176/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,723
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,003
−HK$1,298/mo
Today · 4.125%
HK$50,301
baseline
▲ 0.50% · 4.625%
HK$52,953
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,602/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,477
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,078
−HK$1,627/mo
Today · 4.125%
HK$54,705
baseline
▲ 0.50% · 4.625%
HK$58,034
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,410/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,268
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,804
−HK$1,558/mo
Today · 4.125%
HK$60,362
baseline
▲ 0.50% · 4.625%
HK$63,543
+HK$3,181/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,724/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,057
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,925
−HK$1,898/mo
Today · 4.125%
HK$63,823
baseline
▲ 0.50% · 4.625%
HK$67,706
+HK$3,883/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,646/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,812
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,604
−HK$1,818/mo
Today · 4.125%
HK$70,422
baseline
▲ 0.50% · 4.625%
HK$74,134
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,844/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,216
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,617
−HK$2,441/mo
Today · 4.125%
HK$82,058
baseline
▲ 0.50% · 4.625%
HK$87,051
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,116/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,902
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,205
−HK$2,338/mo
Today · 4.125%
HK$90,543
baseline
▲ 0.50% · 4.625%
HK$95,315
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,086/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,473 · Scale 2, in force from 26 Feb 2026)