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$42,908
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,242
−HK$1,356/mo
Today · 4.125%
HK$45,598
baseline
▲ 0.50% · 4.625%
HK$48,373
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,196/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,734
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,015
−HK$1,298/mo
Today · 4.125%
HK$50,313
baseline
▲ 0.50% · 4.625%
HK$52,965
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,626/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,489
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,091
−HK$1,627/mo
Today · 4.125%
HK$54,718
baseline
▲ 0.50% · 4.625%
HK$58,048
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,436/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,281
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,818
−HK$1,558/mo
Today · 4.125%
HK$60,376
baseline
▲ 0.50% · 4.625%
HK$63,559
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,752/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,071
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,939
−HK$1,899/mo
Today · 4.125%
HK$63,838
baseline
▲ 0.50% · 4.625%
HK$67,722
+HK$3,884/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$127,676/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,828
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,621
−HK$1,818/mo
Today · 4.125%
HK$70,439
baseline
▲ 0.50% · 4.625%
HK$74,152
+HK$3,713/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$140,878/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,234
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,636
−HK$2,441/mo
Today · 4.125%
HK$82,077
baseline
▲ 0.50% · 4.625%
HK$87,071
+HK$4,994/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,154/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,922
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,226
−HK$2,338/mo
Today · 4.125%
HK$90,564
baseline
▲ 0.50% · 4.625%
HK$95,338
+HK$4,774/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,128/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,641 · Scale 2, in force from 26 Feb 2026)