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$43,035
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,373
−HK$1,360/mo
Today · 4.125%
HK$45,733
baseline
▲ 0.50% · 4.625%
HK$48,516
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,466/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,876
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,160
−HK$1,302/mo
Today · 4.125%
HK$50,462
baseline
▲ 0.50% · 4.625%
HK$53,122
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,924/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,642
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,248
−HK$1,632/mo
Today · 4.125%
HK$54,880
baseline
▲ 0.50% · 4.625%
HK$58,219
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,760/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,451
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,992
−HK$1,563/mo
Today · 4.125%
HK$60,555
baseline
▲ 0.50% · 4.625%
HK$63,747
+HK$3,192/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,110/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,249
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,123
−HK$1,904/mo
Today · 4.125%
HK$64,027
baseline
▲ 0.50% · 4.625%
HK$67,923
+HK$3,896/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,054/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,026
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,824
−HK$1,823/mo
Today · 4.125%
HK$70,647
baseline
▲ 0.50% · 4.625%
HK$74,371
+HK$3,724/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,294/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,463
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,872
−HK$2,448/mo
Today · 4.125%
HK$82,320
baseline
▲ 0.50% · 4.625%
HK$87,329
+HK$5,009/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,640/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,176
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,488
−HK$2,344/mo
Today · 4.125%
HK$90,832
baseline
▲ 0.50% · 4.625%
HK$95,620
+HK$4,788/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,664/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,730 · Scale 2, in force from 26 Feb 2026)