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$42,901
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,236
−HK$1,355/mo
Today · 4.125%
HK$45,591
baseline
▲ 0.50% · 4.625%
HK$48,365
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,182/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,727
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,007
−HK$1,299/mo
Today · 4.125%
HK$50,306
baseline
▲ 0.50% · 4.625%
HK$52,957
+HK$2,651/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,612/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,481
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,083
−HK$1,627/mo
Today · 4.125%
HK$54,710
baseline
▲ 0.50% · 4.625%
HK$58,039
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,420/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,272
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,808
−HK$1,559/mo
Today · 4.125%
HK$60,367
baseline
▲ 0.50% · 4.625%
HK$63,549
+HK$3,182/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,734/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,061
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,930
−HK$1,898/mo
Today · 4.125%
HK$63,828
baseline
▲ 0.50% · 4.625%
HK$67,712
+HK$3,884/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,656/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,818
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,610
−HK$1,818/mo
Today · 4.125%
HK$70,428
baseline
▲ 0.50% · 4.625%
HK$74,140
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,856/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,222
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,624
−HK$2,440/mo
Today · 4.125%
HK$82,064
baseline
▲ 0.50% · 4.625%
HK$87,058
+HK$4,994/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,128/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,909
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,213
−HK$2,337/mo
Today · 4.125%
HK$90,550
baseline
▲ 0.50% · 4.625%
HK$95,323
+HK$4,773/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,100/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,531 · Scale 2, in force from 26 Feb 2026)