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$43,156
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,498
−HK$1,364/mo
Today · 4.125%
HK$45,862
baseline
▲ 0.50% · 4.625%
HK$48,653
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,724/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,011
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,298
−HK$1,306/mo
Today · 4.125%
HK$50,604
baseline
▲ 0.50% · 4.625%
HK$53,272
+HK$2,668/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,208/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,787
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,398
−HK$1,637/mo
Today · 4.125%
HK$55,035
baseline
▲ 0.50% · 4.625%
HK$58,383
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,070/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,613
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,158
−HK$1,567/mo
Today · 4.125%
HK$60,725
baseline
▲ 0.50% · 4.625%
HK$63,926
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,450/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,418
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,298
−HK$1,909/mo
Today · 4.125%
HK$64,207
baseline
▲ 0.50% · 4.625%
HK$68,114
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,414/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,215
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,017
−HK$1,829/mo
Today · 4.125%
HK$70,846
baseline
▲ 0.50% · 4.625%
HK$74,581
+HK$3,735/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,692/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,681
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,097
−HK$2,455/mo
Today · 4.125%
HK$82,552
baseline
▲ 0.50% · 4.625%
HK$87,575
+HK$5,023/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,104/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,419
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,737
−HK$2,351/mo
Today · 4.125%
HK$91,088
baseline
▲ 0.50% · 4.625%
HK$95,889
+HK$4,801/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,176/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,722 · Scale 2, in force from 26 Feb 2026)