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$42,900
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,234
−HK$1,356/mo
Today · 4.125%
HK$45,590
baseline
▲ 0.50% · 4.625%
HK$48,364
+HK$2,774/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,180/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,726
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,006
−HK$1,298/mo
Today · 4.125%
HK$50,304
baseline
▲ 0.50% · 4.625%
HK$52,956
+HK$2,652/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,608/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,480
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,081
−HK$1,627/mo
Today · 4.125%
HK$54,708
baseline
▲ 0.50% · 4.625%
HK$58,037
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,416/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,271
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,807
−HK$1,558/mo
Today · 4.125%
HK$60,365
baseline
▲ 0.50% · 4.625%
HK$63,547
+HK$3,182/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,730/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,060
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,928
−HK$1,898/mo
Today · 4.125%
HK$63,826
baseline
▲ 0.50% · 4.625%
HK$67,710
+HK$3,884/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,652/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,816
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,608
−HK$1,818/mo
Today · 4.125%
HK$70,426
baseline
▲ 0.50% · 4.625%
HK$74,138
+HK$3,712/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,852/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,220
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,622
−HK$2,440/mo
Today · 4.125%
HK$82,062
baseline
▲ 0.50% · 4.625%
HK$87,056
+HK$4,994/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,124/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,906
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,210
−HK$2,338/mo
Today · 4.125%
HK$90,548
baseline
▲ 0.50% · 4.625%
HK$95,320
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,096/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,512 · Scale 2, in force from 26 Feb 2026)