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$43,128
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,470
−HK$1,363/mo
Today · 4.125%
HK$45,833
baseline
▲ 0.50% · 4.625%
HK$48,622
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,666/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,980
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,266
−HK$1,306/mo
Today · 4.125%
HK$50,572
baseline
▲ 0.50% · 4.625%
HK$53,238
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,144/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,754
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,364
−HK$1,635/mo
Today · 4.125%
HK$54,999
baseline
▲ 0.50% · 4.625%
HK$58,346
+HK$3,347/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$109,998/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,576
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,120
−HK$1,566/mo
Today · 4.125%
HK$60,686
baseline
▲ 0.50% · 4.625%
HK$63,885
+HK$3,199/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,372/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,379
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,258
−HK$1,908/mo
Today · 4.125%
HK$64,166
baseline
▲ 0.50% · 4.625%
HK$68,070
+HK$3,904/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,332/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,172
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,973
−HK$1,828/mo
Today · 4.125%
HK$70,801
baseline
▲ 0.50% · 4.625%
HK$74,533
+HK$3,732/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,602/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,631
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,046
−HK$2,453/mo
Today · 4.125%
HK$82,499
baseline
▲ 0.50% · 4.625%
HK$87,519
+HK$5,020/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,998/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,363
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,680
−HK$2,349/mo
Today · 4.125%
HK$91,029
baseline
▲ 0.50% · 4.625%
HK$95,828
+HK$4,799/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,058/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,266 · Scale 2, in force from 26 Feb 2026)