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$43,028
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,367
−HK$1,359/mo
Today · 4.125%
HK$45,726
baseline
▲ 0.50% · 4.625%
HK$48,509
+HK$2,783/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,452/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,868
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,152
−HK$1,303/mo
Today · 4.125%
HK$50,455
baseline
▲ 0.50% · 4.625%
HK$53,114
+HK$2,659/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,910/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,634
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,240
−HK$1,632/mo
Today · 4.125%
HK$54,872
baseline
▲ 0.50% · 4.625%
HK$58,211
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,744/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,442
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,983
−HK$1,563/mo
Today · 4.125%
HK$60,546
baseline
▲ 0.50% · 4.625%
HK$63,737
+HK$3,191/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,092/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,239
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,113
−HK$1,904/mo
Today · 4.125%
HK$64,017
baseline
▲ 0.50% · 4.625%
HK$67,912
+HK$3,895/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,034/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,016
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,813
−HK$1,823/mo
Today · 4.125%
HK$70,636
baseline
▲ 0.50% · 4.625%
HK$74,360
+HK$3,724/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,272/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,451
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,860
−HK$2,448/mo
Today · 4.125%
HK$82,308
baseline
▲ 0.50% · 4.625%
HK$87,316
+HK$5,008/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,616/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,163
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,474
−HK$2,344/mo
Today · 4.125%
HK$90,818
baseline
▲ 0.50% · 4.625%
HK$95,605
+HK$4,787/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,636/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,621 · Scale 2, in force from 26 Feb 2026)