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$42,897
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,231
−HK$1,356/mo
Today · 4.125%
HK$45,587
baseline
▲ 0.50% · 4.625%
HK$48,360
+HK$2,773/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,174/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,722
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,002
−HK$1,298/mo
Today · 4.125%
HK$50,300
baseline
▲ 0.50% · 4.625%
HK$52,952
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,600/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,476
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,077
−HK$1,627/mo
Today · 4.125%
HK$54,704
baseline
▲ 0.50% · 4.625%
HK$58,033
+HK$3,329/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,408/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,266
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,802
−HK$1,558/mo
Today · 4.125%
HK$60,360
baseline
▲ 0.50% · 4.625%
HK$63,542
+HK$3,182/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,720/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,055
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,923
−HK$1,898/mo
Today · 4.125%
HK$63,821
baseline
▲ 0.50% · 4.625%
HK$67,705
+HK$3,884/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,642/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,811
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,603
−HK$1,817/mo
Today · 4.125%
HK$70,420
baseline
▲ 0.50% · 4.625%
HK$74,132
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,840/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,214
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,616
−HK$2,440/mo
Today · 4.125%
HK$82,056
baseline
▲ 0.50% · 4.625%
HK$87,049
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,112/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,900
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,204
−HK$2,337/mo
Today · 4.125%
HK$90,541
baseline
▲ 0.50% · 4.625%
HK$95,313
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,082/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,458 · Scale 2, in force from 26 Feb 2026)