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$43,016
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,354
−HK$1,359/mo
Today · 4.125%
HK$45,713
baseline
▲ 0.50% · 4.625%
HK$48,495
+HK$2,782/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,426/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,854
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,138
−HK$1,302/mo
Today · 4.125%
HK$50,440
baseline
▲ 0.50% · 4.625%
HK$53,099
+HK$2,659/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,880/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,619
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,224
−HK$1,632/mo
Today · 4.125%
HK$54,856
baseline
▲ 0.50% · 4.625%
HK$58,193
+HK$3,337/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,712/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,425
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,965
−HK$1,563/mo
Today · 4.125%
HK$60,528
baseline
▲ 0.50% · 4.625%
HK$63,718
+HK$3,190/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,056/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,222
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,095
−HK$1,903/mo
Today · 4.125%
HK$63,998
baseline
▲ 0.50% · 4.625%
HK$67,892
+HK$3,894/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$127,996/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,996
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,793
−HK$1,823/mo
Today · 4.125%
HK$70,616
baseline
▲ 0.50% · 4.625%
HK$74,338
+HK$3,722/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,232/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,428
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,837
−HK$2,446/mo
Today · 4.125%
HK$82,283
baseline
▲ 0.50% · 4.625%
HK$87,290
+HK$5,007/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,566/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,138
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,448
−HK$2,344/mo
Today · 4.125%
HK$90,792
baseline
▲ 0.50% · 4.625%
HK$95,577
+HK$4,785/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,584/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,414 · Scale 2, in force from 26 Feb 2026)