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$43,029
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,367
−HK$1,360/mo
Today · 4.125%
HK$45,727
baseline
▲ 0.50% · 4.625%
HK$48,510
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,454/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,869
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,153
−HK$1,302/mo
Today · 4.125%
HK$50,455
baseline
▲ 0.50% · 4.625%
HK$53,115
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,910/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,635
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,241
−HK$1,632/mo
Today · 4.125%
HK$54,873
baseline
▲ 0.50% · 4.625%
HK$58,211
+HK$3,338/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,746/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,443
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,984
−HK$1,562/mo
Today · 4.125%
HK$60,546
baseline
▲ 0.50% · 4.625%
HK$63,738
+HK$3,192/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,092/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,240
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,114
−HK$1,904/mo
Today · 4.125%
HK$64,018
baseline
▲ 0.50% · 4.625%
HK$67,913
+HK$3,895/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,036/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,017
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,814
−HK$1,824/mo
Today · 4.125%
HK$70,638
baseline
▲ 0.50% · 4.625%
HK$74,361
+HK$3,723/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,276/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,452
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,861
−HK$2,448/mo
Today · 4.125%
HK$82,309
baseline
▲ 0.50% · 4.625%
HK$87,317
+HK$5,008/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,618/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,164
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,475
−HK$2,345/mo
Today · 4.125%
HK$90,820
baseline
▲ 0.50% · 4.625%
HK$95,607
+HK$4,787/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,640/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,632 · Scale 2, in force from 26 Feb 2026)