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$43,160
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,503
−HK$1,364/mo
Today · 4.125%
HK$45,867
baseline
▲ 0.50% · 4.625%
HK$48,658
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,734/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,015
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,303
−HK$1,307/mo
Today · 4.125%
HK$50,610
baseline
▲ 0.50% · 4.625%
HK$53,277
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,220/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,792
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,403
−HK$1,637/mo
Today · 4.125%
HK$55,040
baseline
▲ 0.50% · 4.625%
HK$58,389
+HK$3,349/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,080/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,619
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,164
−HK$1,567/mo
Today · 4.125%
HK$60,731
baseline
▲ 0.50% · 4.625%
HK$63,933
+HK$3,202/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,462/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,424
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,304
−HK$1,910/mo
Today · 4.125%
HK$64,214
baseline
▲ 0.50% · 4.625%
HK$68,121
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,428/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,222
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,024
−HK$1,829/mo
Today · 4.125%
HK$70,853
baseline
▲ 0.50% · 4.625%
HK$74,588
+HK$3,735/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,706/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,689
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,105
−HK$2,455/mo
Today · 4.125%
HK$82,560
baseline
▲ 0.50% · 4.625%
HK$87,584
+HK$5,024/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,120/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,428
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,746
−HK$2,351/mo
Today · 4.125%
HK$91,097
baseline
▲ 0.50% · 4.625%
HK$95,899
+HK$4,802/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,194/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,794 · Scale 2, in force from 26 Feb 2026)