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$42,909
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,244
−HK$1,356/mo
Today · 4.125%
HK$45,600
baseline
▲ 0.50% · 4.625%
HK$48,374
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,200/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,736
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,016
−HK$1,299/mo
Today · 4.125%
HK$50,315
baseline
▲ 0.50% · 4.625%
HK$52,967
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,630/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,491
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,092
−HK$1,628/mo
Today · 4.125%
HK$54,720
baseline
▲ 0.50% · 4.625%
HK$58,049
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,440/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,283
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,819
−HK$1,559/mo
Today · 4.125%
HK$60,378
baseline
▲ 0.50% · 4.625%
HK$63,560
+HK$3,182/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,756/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,073
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,941
−HK$1,899/mo
Today · 4.125%
HK$63,840
baseline
▲ 0.50% · 4.625%
HK$67,724
+HK$3,884/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$127,680/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,830
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,622
−HK$1,819/mo
Today · 4.125%
HK$70,441
baseline
▲ 0.50% · 4.625%
HK$74,154
+HK$3,713/mo
Deposit HK$5.65M · loan HK$13.17M · min. income ≈ HK$140,882/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,236
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,639
−HK$2,440/mo
Today · 4.125%
HK$82,079
baseline
▲ 0.50% · 4.625%
HK$87,074
+HK$4,995/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,158/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,924
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,229
−HK$2,338/mo
Today · 4.125%
HK$90,567
baseline
▲ 0.50% · 4.625%
HK$95,340
+HK$4,773/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,134/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,660 · Scale 2, in force from 26 Feb 2026)