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$43,135
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,477
−HK$1,363/mo
Today · 4.125%
HK$45,840
baseline
▲ 0.50% · 4.625%
HK$48,629
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,680/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,988
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,275
−HK$1,305/mo
Today · 4.125%
HK$50,580
baseline
▲ 0.50% · 4.625%
HK$53,246
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,160/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,762
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,372
−HK$1,636/mo
Today · 4.125%
HK$55,008
baseline
▲ 0.50% · 4.625%
HK$58,355
+HK$3,347/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,016/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,585
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,129
−HK$1,567/mo
Today · 4.125%
HK$60,696
baseline
▲ 0.50% · 4.625%
HK$63,896
+HK$3,200/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,392/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,389
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,268
−HK$1,908/mo
Today · 4.125%
HK$64,176
baseline
▲ 0.50% · 4.625%
HK$68,081
+HK$3,905/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,352/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,183
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,984
−HK$1,828/mo
Today · 4.125%
HK$70,812
baseline
▲ 0.50% · 4.625%
HK$74,545
+HK$3,733/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,624/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,643
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,059
−HK$2,453/mo
Today · 4.125%
HK$82,512
baseline
▲ 0.50% · 4.625%
HK$87,533
+HK$5,021/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,024/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,378
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,694
−HK$2,350/mo
Today · 4.125%
HK$91,044
baseline
▲ 0.50% · 4.625%
HK$95,843
+HK$4,799/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,088/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,382 · Scale 2, in force from 26 Feb 2026)