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$43,154
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,496
−HK$1,364/mo
Today · 4.125%
HK$45,860
baseline
▲ 0.50% · 4.625%
HK$48,651
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,720/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,008
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,296
−HK$1,306/mo
Today · 4.125%
HK$50,602
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,204/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,785
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,396
−HK$1,636/mo
Today · 4.125%
HK$55,032
baseline
▲ 0.50% · 4.625%
HK$58,381
+HK$3,349/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,064/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,610
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,155
−HK$1,567/mo
Today · 4.125%
HK$60,722
baseline
▲ 0.50% · 4.625%
HK$63,923
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,444/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,415
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,295
−HK$1,909/mo
Today · 4.125%
HK$64,204
baseline
▲ 0.50% · 4.625%
HK$68,111
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,408/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,212
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,014
−HK$1,829/mo
Today · 4.125%
HK$70,843
baseline
▲ 0.50% · 4.625%
HK$74,577
+HK$3,734/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,686/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,677
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,093
−HK$2,455/mo
Today · 4.125%
HK$82,548
baseline
▲ 0.50% · 4.625%
HK$87,571
+HK$5,023/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,096/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,415
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,733
−HK$2,351/mo
Today · 4.125%
HK$91,084
baseline
▲ 0.50% · 4.625%
HK$95,885
+HK$4,801/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,168/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,689 · Scale 2, in force from 26 Feb 2026)