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$43,162
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,505
−HK$1,364/mo
Today · 4.125%
HK$45,869
baseline
▲ 0.50% · 4.625%
HK$48,660
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,738/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,017
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,305
−HK$1,306/mo
Today · 4.125%
HK$50,611
baseline
▲ 0.50% · 4.625%
HK$53,279
+HK$2,668/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,222/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,794
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,405
−HK$1,637/mo
Today · 4.125%
HK$55,042
baseline
▲ 0.50% · 4.625%
HK$58,391
+HK$3,349/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,084/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,621
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,166
−HK$1,568/mo
Today · 4.125%
HK$60,734
baseline
▲ 0.50% · 4.625%
HK$63,935
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,468/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,427
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,306
−HK$1,910/mo
Today · 4.125%
HK$64,216
baseline
▲ 0.50% · 4.625%
HK$68,123
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,432/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,224
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,027
−HK$1,829/mo
Today · 4.125%
HK$70,856
baseline
▲ 0.50% · 4.625%
HK$74,591
+HK$3,735/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,712/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,691
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,108
−HK$2,455/mo
Today · 4.125%
HK$82,563
baseline
▲ 0.50% · 4.625%
HK$87,587
+HK$5,024/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,126/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,431
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,749
−HK$2,352/mo
Today · 4.125%
HK$91,101
baseline
▲ 0.50% · 4.625%
HK$95,903
+HK$4,802/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,202/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,821 · Scale 2, in force from 26 Feb 2026)