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$42,915
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,250
−HK$1,356/mo
Today · 4.125%
HK$45,606
baseline
▲ 0.50% · 4.625%
HK$48,381
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,212/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,742
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,023
−HK$1,299/mo
Today · 4.125%
HK$50,322
baseline
▲ 0.50% · 4.625%
HK$52,974
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,644/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,498
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,100
−HK$1,627/mo
Today · 4.125%
HK$54,727
baseline
▲ 0.50% · 4.625%
HK$58,057
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,454/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,291
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,827
−HK$1,559/mo
Today · 4.125%
HK$60,386
baseline
▲ 0.50% · 4.625%
HK$63,569
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,772/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,081
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,950
−HK$1,898/mo
Today · 4.125%
HK$63,848
baseline
▲ 0.50% · 4.625%
HK$67,733
+HK$3,885/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$127,696/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,839
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,632
−HK$1,818/mo
Today · 4.125%
HK$70,450
baseline
▲ 0.50% · 4.625%
HK$74,164
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$140,900/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,247
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,649
−HK$2,442/mo
Today · 4.125%
HK$82,091
baseline
▲ 0.50% · 4.625%
HK$87,086
+HK$4,995/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,182/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,936
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,241
−HK$2,338/mo
Today · 4.125%
HK$90,579
baseline
▲ 0.50% · 4.625%
HK$95,353
+HK$4,774/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,158/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,756 · Scale 2, in force from 26 Feb 2026)