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$43,048
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,387
−HK$1,360/mo
Today · 4.125%
HK$45,747
baseline
▲ 0.50% · 4.625%
HK$48,531
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,494/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,890
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,175
−HK$1,303/mo
Today · 4.125%
HK$50,478
baseline
▲ 0.50% · 4.625%
HK$53,138
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,956/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,657
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,264
−HK$1,633/mo
Today · 4.125%
HK$54,897
baseline
▲ 0.50% · 4.625%
HK$58,237
+HK$3,340/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,794/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,468
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,009
−HK$1,564/mo
Today · 4.125%
HK$60,573
baseline
▲ 0.50% · 4.625%
HK$63,766
+HK$3,193/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,146/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,267
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,141
−HK$1,905/mo
Today · 4.125%
HK$64,046
baseline
▲ 0.50% · 4.625%
HK$67,943
+HK$3,897/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,092/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,046
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,844
−HK$1,825/mo
Today · 4.125%
HK$70,669
baseline
▲ 0.50% · 4.625%
HK$74,394
+HK$3,725/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,338/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,486
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,896
−HK$2,449/mo
Today · 4.125%
HK$82,345
baseline
▲ 0.50% · 4.625%
HK$87,355
+HK$5,010/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,690/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,202
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,514
−HK$2,346/mo
Today · 4.125%
HK$90,860
baseline
▲ 0.50% · 4.625%
HK$95,649
+HK$4,789/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,720/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,943 · Scale 2, in force from 26 Feb 2026)