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$43,037
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,376
−HK$1,360/mo
Today · 4.125%
HK$45,736
baseline
▲ 0.50% · 4.625%
HK$48,519
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,472/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,879
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,163
−HK$1,302/mo
Today · 4.125%
HK$50,465
baseline
▲ 0.50% · 4.625%
HK$53,126
+HK$2,661/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,930/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,645
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,251
−HK$1,633/mo
Today · 4.125%
HK$54,884
baseline
▲ 0.50% · 4.625%
HK$58,223
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,768/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,454
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$58,995
−HK$1,564/mo
Today · 4.125%
HK$60,559
baseline
▲ 0.50% · 4.625%
HK$63,751
+HK$3,192/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,118/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,252
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,127
−HK$1,904/mo
Today · 4.125%
HK$64,031
baseline
▲ 0.50% · 4.625%
HK$67,927
+HK$3,896/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,062/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,030
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,828
−HK$1,824/mo
Today · 4.125%
HK$70,652
baseline
▲ 0.50% · 4.625%
HK$74,376
+HK$3,724/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,304/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,467
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,877
−HK$2,448/mo
Today · 4.125%
HK$82,325
baseline
▲ 0.50% · 4.625%
HK$87,335
+HK$5,010/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,650/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,182
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,493
−HK$2,345/mo
Today · 4.125%
HK$90,838
baseline
▲ 0.50% · 4.625%
HK$95,626
+HK$4,788/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,676/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,773 · Scale 2, in force from 26 Feb 2026)