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$43,134
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,475
−HK$1,364/mo
Today · 4.125%
HK$45,839
baseline
▲ 0.50% · 4.625%
HK$48,628
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,678/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,986
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,273
−HK$1,305/mo
Today · 4.125%
HK$50,578
baseline
▲ 0.50% · 4.625%
HK$53,244
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,156/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,760
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,370
−HK$1,636/mo
Today · 4.125%
HK$55,006
baseline
▲ 0.50% · 4.625%
HK$58,353
+HK$3,347/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,012/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,583
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,127
−HK$1,567/mo
Today · 4.125%
HK$60,694
baseline
▲ 0.50% · 4.625%
HK$63,893
+HK$3,199/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,388/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,387
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,266
−HK$1,908/mo
Today · 4.125%
HK$64,174
baseline
▲ 0.50% · 4.625%
HK$68,079
+HK$3,905/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,348/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,180
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,982
−HK$1,828/mo
Today · 4.125%
HK$70,810
baseline
▲ 0.50% · 4.625%
HK$74,542
+HK$3,732/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,620/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,641
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,056
−HK$2,453/mo
Today · 4.125%
HK$82,509
baseline
▲ 0.50% · 4.625%
HK$87,530
+HK$5,021/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$165,018/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,374
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,691
−HK$2,350/mo
Today · 4.125%
HK$91,041
baseline
▲ 0.50% · 4.625%
HK$95,840
+HK$4,799/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,082/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,356 · Scale 2, in force from 26 Feb 2026)