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$43,137
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,479
−HK$1,363/mo
Today · 4.125%
HK$45,842
baseline
▲ 0.50% · 4.625%
HK$48,632
+HK$2,790/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,684/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,990
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,277
−HK$1,305/mo
Today · 4.125%
HK$50,582
baseline
▲ 0.50% · 4.625%
HK$53,249
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,164/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,765
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,375
−HK$1,636/mo
Today · 4.125%
HK$55,011
baseline
▲ 0.50% · 4.625%
HK$58,358
+HK$3,347/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,022/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,588
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,132
−HK$1,567/mo
Today · 4.125%
HK$60,699
baseline
▲ 0.50% · 4.625%
HK$63,898
+HK$3,199/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,398/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,392
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,271
−HK$1,908/mo
Today · 4.125%
HK$64,179
baseline
▲ 0.50% · 4.625%
HK$68,084
+HK$3,905/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,358/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,186
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,987
−HK$1,828/mo
Today · 4.125%
HK$70,815
baseline
▲ 0.50% · 4.625%
HK$74,548
+HK$3,733/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,630/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,647
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,062
−HK$2,454/mo
Today · 4.125%
HK$82,516
baseline
▲ 0.50% · 4.625%
HK$87,537
+HK$5,021/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,032/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,382
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,698
−HK$2,350/mo
Today · 4.125%
HK$91,048
baseline
▲ 0.50% · 4.625%
HK$95,848
+HK$4,800/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,096/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,414 · Scale 2, in force from 26 Feb 2026)