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$43,112
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,453
−HK$1,363/mo
Today · 4.125%
HK$45,816
baseline
▲ 0.50% · 4.625%
HK$48,603
+HK$2,787/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,632/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,962
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,248
−HK$1,305/mo
Today · 4.125%
HK$50,553
baseline
▲ 0.50% · 4.625%
HK$53,218
+HK$2,665/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,106/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,735
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,344
−HK$1,635/mo
Today · 4.125%
HK$54,979
baseline
▲ 0.50% · 4.625%
HK$58,324
+HK$3,345/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,958/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,554
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,098
−HK$1,566/mo
Today · 4.125%
HK$60,664
baseline
▲ 0.50% · 4.625%
HK$63,861
+HK$3,197/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,328/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,357
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,234
−HK$1,908/mo
Today · 4.125%
HK$64,142
baseline
▲ 0.50% · 4.625%
HK$68,045
+HK$3,903/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,284/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,146
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,947
−HK$1,827/mo
Today · 4.125%
HK$70,774
baseline
▲ 0.50% · 4.625%
HK$74,505
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,548/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,602
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,016
−HK$2,452/mo
Today · 4.125%
HK$82,468
baseline
▲ 0.50% · 4.625%
HK$87,486
+HK$5,018/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,936/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,331
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,647
−HK$2,348/mo
Today · 4.125%
HK$90,995
baseline
▲ 0.50% · 4.625%
HK$95,792
+HK$4,797/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$181,990/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,001 · Scale 2, in force from 26 Feb 2026)