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$43,140
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,481
−HK$1,364/mo
Today · 4.125%
HK$45,845
baseline
▲ 0.50% · 4.625%
HK$48,634
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,690/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,992
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,279
−HK$1,306/mo
Today · 4.125%
HK$50,585
baseline
▲ 0.50% · 4.625%
HK$53,252
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,170/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,767
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,378
−HK$1,636/mo
Today · 4.125%
HK$55,014
baseline
▲ 0.50% · 4.625%
HK$58,361
+HK$3,347/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,028/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,591
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,135
−HK$1,567/mo
Today · 4.125%
HK$60,702
baseline
▲ 0.50% · 4.625%
HK$63,902
+HK$3,200/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,404/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,395
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,274
−HK$1,909/mo
Today · 4.125%
HK$64,183
baseline
▲ 0.50% · 4.625%
HK$68,088
+HK$3,905/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,366/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,189
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,991
−HK$1,828/mo
Today · 4.125%
HK$70,819
baseline
▲ 0.50% · 4.625%
HK$74,552
+HK$3,733/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,638/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,651
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,067
−HK$2,454/mo
Today · 4.125%
HK$82,521
baseline
▲ 0.50% · 4.625%
HK$87,542
+HK$5,021/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,042/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,386
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,703
−HK$2,350/mo
Today · 4.125%
HK$91,053
baseline
▲ 0.50% · 4.625%
HK$95,853
+HK$4,800/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,106/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,452 · Scale 2, in force from 26 Feb 2026)