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$43,079
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,419
−HK$1,362/mo
Today · 4.125%
HK$45,781
baseline
▲ 0.50% · 4.625%
HK$48,566
+HK$2,785/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,562/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,925
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,211
−HK$1,304/mo
Today · 4.125%
HK$50,515
baseline
▲ 0.50% · 4.625%
HK$53,177
+HK$2,662/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,030/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,695
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,303
−HK$1,634/mo
Today · 4.125%
HK$54,937
baseline
▲ 0.50% · 4.625%
HK$58,280
+HK$3,343/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,874/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,510
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,053
−HK$1,565/mo
Today · 4.125%
HK$60,618
baseline
▲ 0.50% · 4.625%
HK$63,813
+HK$3,195/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,236/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,311
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,187
−HK$1,906/mo
Today · 4.125%
HK$64,093
baseline
▲ 0.50% · 4.625%
HK$67,993
+HK$3,900/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,186/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,095
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,895
−HK$1,825/mo
Today · 4.125%
HK$70,720
baseline
▲ 0.50% · 4.625%
HK$74,448
+HK$3,728/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,440/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,543
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,955
−HK$2,450/mo
Today · 4.125%
HK$82,405
baseline
▲ 0.50% · 4.625%
HK$87,420
+HK$5,015/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,810/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,266
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,579
−HK$2,347/mo
Today · 4.125%
HK$90,926
baseline
▲ 0.50% · 4.625%
HK$95,719
+HK$4,793/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,852/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,463 · Scale 2, in force from 26 Feb 2026)