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$43,150
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,492
−HK$1,364/mo
Today · 4.125%
HK$45,856
baseline
▲ 0.50% · 4.625%
HK$48,646
+HK$2,790/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,712/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,004
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,291
−HK$1,307/mo
Today · 4.125%
HK$50,598
baseline
▲ 0.50% · 4.625%
HK$53,265
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,196/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,780
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,391
−HK$1,636/mo
Today · 4.125%
HK$55,027
baseline
▲ 0.50% · 4.625%
HK$58,375
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,054/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,605
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,150
−HK$1,567/mo
Today · 4.125%
HK$60,717
baseline
▲ 0.50% · 4.625%
HK$63,917
+HK$3,200/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,434/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,410
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,289
−HK$1,909/mo
Today · 4.125%
HK$64,198
baseline
▲ 0.50% · 4.625%
HK$68,105
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,396/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,206
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,008
−HK$1,829/mo
Today · 4.125%
HK$70,837
baseline
▲ 0.50% · 4.625%
HK$74,570
+HK$3,733/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,674/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,670
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,086
−HK$2,455/mo
Today · 4.125%
HK$82,541
baseline
▲ 0.50% · 4.625%
HK$87,563
+HK$5,022/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,082/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,407
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,725
−HK$2,351/mo
Today · 4.125%
HK$91,076
baseline
▲ 0.50% · 4.625%
HK$95,876
+HK$4,800/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,152/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,626 · Scale 2, in force from 26 Feb 2026)