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$43,040
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,379
−HK$1,360/mo
Today · 4.125%
HK$45,739
baseline
▲ 0.50% · 4.625%
HK$48,522
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,478/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,882
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,166
−HK$1,303/mo
Today · 4.125%
HK$50,469
baseline
▲ 0.50% · 4.625%
HK$53,129
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,938/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,648
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,255
−HK$1,632/mo
Today · 4.125%
HK$54,887
baseline
▲ 0.50% · 4.625%
HK$58,227
+HK$3,340/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,774/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,458
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,999
−HK$1,563/mo
Today · 4.125%
HK$60,562
baseline
▲ 0.50% · 4.625%
HK$63,755
+HK$3,193/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,124/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,256
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,131
−HK$1,904/mo
Today · 4.125%
HK$64,035
baseline
▲ 0.50% · 4.625%
HK$67,931
+HK$3,896/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,070/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,034
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,832
−HK$1,824/mo
Today · 4.125%
HK$70,656
baseline
▲ 0.50% · 4.625%
HK$74,380
+HK$3,724/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,312/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,472
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,882
−HK$2,448/mo
Today · 4.125%
HK$82,330
baseline
▲ 0.50% · 4.625%
HK$87,340
+HK$5,010/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,660/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,187
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,499
−HK$2,345/mo
Today · 4.125%
HK$90,844
baseline
▲ 0.50% · 4.625%
HK$95,632
+HK$4,788/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,688/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,818 · Scale 2, in force from 26 Feb 2026)