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$42,899
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,233
−HK$1,356/mo
Today · 4.125%
HK$45,589
baseline
▲ 0.50% · 4.625%
HK$48,363
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,178/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,724
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,004
−HK$1,299/mo
Today · 4.125%
HK$50,303
baseline
▲ 0.50% · 4.625%
HK$52,954
+HK$2,651/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,606/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,478
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,079
−HK$1,627/mo
Today · 4.125%
HK$54,706
baseline
▲ 0.50% · 4.625%
HK$58,035
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,412/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,269
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,805
−HK$1,558/mo
Today · 4.125%
HK$60,363
baseline
▲ 0.50% · 4.625%
HK$63,545
+HK$3,182/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,726/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,058
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,926
−HK$1,898/mo
Today · 4.125%
HK$63,824
baseline
▲ 0.50% · 4.625%
HK$67,708
+HK$3,884/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,648/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,814
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,606
−HK$1,818/mo
Today · 4.125%
HK$70,424
baseline
▲ 0.50% · 4.625%
HK$74,136
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,848/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,217
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,619
−HK$2,441/mo
Today · 4.125%
HK$82,060
baseline
▲ 0.50% · 4.625%
HK$87,053
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,120/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,903
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,207
−HK$2,338/mo
Today · 4.125%
HK$90,545
baseline
▲ 0.50% · 4.625%
HK$95,317
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,090/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,489 · Scale 2, in force from 26 Feb 2026)