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$42,903
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,237
−HK$1,356/mo
Today · 4.125%
HK$45,593
baseline
▲ 0.50% · 4.625%
HK$48,367
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,186/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,729
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,009
−HK$1,298/mo
Today · 4.125%
HK$50,307
baseline
▲ 0.50% · 4.625%
HK$52,959
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,614/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,483
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,085
−HK$1,627/mo
Today · 4.125%
HK$54,712
baseline
▲ 0.50% · 4.625%
HK$58,041
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,424/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,275
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,811
−HK$1,558/mo
Today · 4.125%
HK$60,369
baseline
▲ 0.50% · 4.625%
HK$63,551
+HK$3,182/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,738/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,064
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,932
−HK$1,898/mo
Today · 4.125%
HK$63,830
baseline
▲ 0.50% · 4.625%
HK$67,714
+HK$3,884/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,660/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,820
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,612
−HK$1,818/mo
Today · 4.125%
HK$70,430
baseline
▲ 0.50% · 4.625%
HK$74,143
+HK$3,713/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,860/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,225
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,627
−HK$2,440/mo
Today · 4.125%
HK$82,067
baseline
▲ 0.50% · 4.625%
HK$87,061
+HK$4,994/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,134/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,912
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,216
−HK$2,337/mo
Today · 4.125%
HK$90,553
baseline
▲ 0.50% · 4.625%
HK$95,327
+HK$4,774/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,106/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,557 · Scale 2, in force from 26 Feb 2026)