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$43,163
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,505
−HK$1,365/mo
Today · 4.125%
HK$45,870
baseline
▲ 0.50% · 4.625%
HK$48,661
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,740/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,018
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,306
−HK$1,307/mo
Today · 4.125%
HK$50,613
baseline
▲ 0.50% · 4.625%
HK$53,280
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,226/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,795
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,407
−HK$1,636/mo
Today · 4.125%
HK$55,043
baseline
▲ 0.50% · 4.625%
HK$58,393
+HK$3,350/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,086/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,622
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,167
−HK$1,568/mo
Today · 4.125%
HK$60,735
baseline
▲ 0.50% · 4.625%
HK$63,936
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,470/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,428
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,308
−HK$1,909/mo
Today · 4.125%
HK$64,217
baseline
▲ 0.50% · 4.625%
HK$68,125
+HK$3,908/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,434/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,226
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,029
−HK$1,829/mo
Today · 4.125%
HK$70,858
baseline
▲ 0.50% · 4.625%
HK$74,593
+HK$3,735/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,716/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,693
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,110
−HK$2,455/mo
Today · 4.125%
HK$82,565
baseline
▲ 0.50% · 4.625%
HK$87,589
+HK$5,024/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,130/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,433
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,751
−HK$2,352/mo
Today · 4.125%
HK$91,103
baseline
▲ 0.50% · 4.625%
HK$95,905
+HK$4,802/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,206/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,836 · Scale 2, in force from 26 Feb 2026)