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$705,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,725
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,005
−HK$1,298/mo
Today · 4.125%
HK$50,303
baseline
▲ 0.50% · 4.625%
HK$52,955
+HK$2,652/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$705,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,479
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,080
−HK$1,627/mo
Today · 4.125%
HK$54,707
baseline
▲ 0.50% · 4.625%
HK$58,036
+HK$3,329/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,414/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,270
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,806
−HK$1,558/mo
Today · 4.125%
HK$60,364
baseline
▲ 0.50% · 4.625%
HK$63,546
+HK$3,182/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,728/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,059
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,927
−HK$1,898/mo
Today · 4.125%
HK$63,825
baseline
▲ 0.50% · 4.625%
HK$67,708
+HK$3,883/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,650/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,815
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,607
−HK$1,817/mo
Today · 4.125%
HK$70,424
baseline
▲ 0.50% · 4.625%
HK$74,137
+HK$3,713/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$705,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,218
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,620
−HK$2,441/mo
Today · 4.125%
HK$82,061
baseline
▲ 0.50% · 4.625%
HK$87,054
+HK$4,993/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,122/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,905
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,208
−HK$2,338/mo
Today · 4.125%
HK$90,546
baseline
▲ 0.50% · 4.625%
HK$95,318
+HK$4,772/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,092/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,497 · Scale 2, in force from 26 Feb 2026)