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$43,022
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,360
−HK$1,360/mo
Today · 4.125%
HK$45,720
baseline
▲ 0.50% · 4.625%
HK$48,502
+HK$2,782/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,440/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,861
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,145
−HK$1,302/mo
Today · 4.125%
HK$50,447
baseline
▲ 0.50% · 4.625%
HK$53,106
+HK$2,659/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,894/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,626
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,232
−HK$1,632/mo
Today · 4.125%
HK$54,864
baseline
▲ 0.50% · 4.625%
HK$58,202
+HK$3,338/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,728/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,434
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,974
−HK$1,563/mo
Today · 4.125%
HK$60,537
baseline
▲ 0.50% · 4.625%
HK$63,728
+HK$3,191/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,074/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,231
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,104
−HK$1,904/mo
Today · 4.125%
HK$64,008
baseline
▲ 0.50% · 4.625%
HK$67,902
+HK$3,894/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,016/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,006
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,803
−HK$1,823/mo
Today · 4.125%
HK$70,626
baseline
▲ 0.50% · 4.625%
HK$74,349
+HK$3,723/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,252/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,439
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,848
−HK$2,448/mo
Today · 4.125%
HK$82,296
baseline
▲ 0.50% · 4.625%
HK$87,303
+HK$5,007/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,592/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,151
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,461
−HK$2,344/mo
Today · 4.125%
HK$90,805
baseline
▲ 0.50% · 4.625%
HK$95,591
+HK$4,786/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,610/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,517 · Scale 2, in force from 26 Feb 2026)