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$42,895
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,229
−HK$1,356/mo
Today · 4.125%
HK$45,585
baseline
▲ 0.50% · 4.625%
HK$48,358
+HK$2,773/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,170/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,720
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,000
−HK$1,298/mo
Today · 4.125%
HK$50,298
baseline
▲ 0.50% · 4.625%
HK$52,949
+HK$2,651/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,596/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,474
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,075
−HK$1,627/mo
Today · 4.125%
HK$54,702
baseline
▲ 0.50% · 4.625%
HK$58,030
+HK$3,328/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$109,404/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,264
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,800
−HK$1,558/mo
Today · 4.125%
HK$60,358
baseline
▲ 0.50% · 4.625%
HK$63,539
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.29M · min. income ≈ HK$120,716/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,053
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,921
−HK$1,898/mo
Today · 4.125%
HK$63,819
baseline
▲ 0.50% · 4.625%
HK$67,702
+HK$3,883/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,638/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,808
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,600
−HK$1,817/mo
Today · 4.125%
HK$70,417
baseline
▲ 0.50% · 4.625%
HK$74,129
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,834/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,211
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,612
−HK$2,440/mo
Today · 4.125%
HK$82,052
baseline
▲ 0.50% · 4.625%
HK$87,045
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,104/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,896
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,200
−HK$2,337/mo
Today · 4.125%
HK$90,537
baseline
▲ 0.50% · 4.625%
HK$95,309
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,074/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,427 · Scale 2, in force from 26 Feb 2026)