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$43,140
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,482
−HK$1,363/mo
Today · 4.125%
HK$45,845
baseline
▲ 0.50% · 4.625%
HK$48,635
+HK$2,790/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,690/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,993
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,280
−HK$1,306/mo
Today · 4.125%
HK$50,586
baseline
▲ 0.50% · 4.625%
HK$53,252
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,172/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,768
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,378
−HK$1,636/mo
Today · 4.125%
HK$55,014
baseline
▲ 0.50% · 4.625%
HK$58,362
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,028/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,591
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,136
−HK$1,567/mo
Today · 4.125%
HK$60,703
baseline
▲ 0.50% · 4.625%
HK$63,903
+HK$3,200/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,406/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,396
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,275
−HK$1,908/mo
Today · 4.125%
HK$64,183
baseline
▲ 0.50% · 4.625%
HK$68,089
+HK$3,906/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,366/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,190
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,992
−HK$1,828/mo
Today · 4.125%
HK$70,820
baseline
▲ 0.50% · 4.625%
HK$74,553
+HK$3,733/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,640/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,652
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,067
−HK$2,454/mo
Today · 4.125%
HK$82,521
baseline
▲ 0.50% · 4.625%
HK$87,543
+HK$5,022/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,042/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,387
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,704
−HK$2,350/mo
Today · 4.125%
HK$91,054
baseline
▲ 0.50% · 4.625%
HK$95,854
+HK$4,800/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,108/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,460 · Scale 2, in force from 26 Feb 2026)