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$43,038
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,377
−HK$1,360/mo
Today · 4.125%
HK$45,737
baseline
▲ 0.50% · 4.625%
HK$48,520
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,474/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,880
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,164
−HK$1,302/mo
Today · 4.125%
HK$50,466
baseline
▲ 0.50% · 4.625%
HK$53,127
+HK$2,661/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,932/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,646
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,252
−HK$1,633/mo
Today · 4.125%
HK$54,885
baseline
▲ 0.50% · 4.625%
HK$58,224
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,770/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,456
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,997
−HK$1,563/mo
Today · 4.125%
HK$60,560
baseline
▲ 0.50% · 4.625%
HK$63,752
+HK$3,192/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,120/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,254
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,128
−HK$1,904/mo
Today · 4.125%
HK$64,032
baseline
▲ 0.50% · 4.625%
HK$67,928
+HK$3,896/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,064/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,032
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,829
−HK$1,824/mo
Today · 4.125%
HK$70,653
baseline
▲ 0.50% · 4.625%
HK$74,377
+HK$3,724/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,306/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,469
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,879
−HK$2,448/mo
Today · 4.125%
HK$82,327
baseline
▲ 0.50% · 4.625%
HK$87,336
+HK$5,009/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,654/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,183
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,495
−HK$2,345/mo
Today · 4.125%
HK$90,840
baseline
▲ 0.50% · 4.625%
HK$95,628
+HK$4,788/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,680/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,788 · Scale 2, in force from 26 Feb 2026)