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$43,113
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,454
−HK$1,363/mo
Today · 4.125%
HK$45,817
baseline
▲ 0.50% · 4.625%
HK$48,605
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,634/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,963
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,250
−HK$1,305/mo
Today · 4.125%
HK$50,555
baseline
▲ 0.50% · 4.625%
HK$53,219
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,110/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,736
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,345
−HK$1,635/mo
Today · 4.125%
HK$54,980
baseline
▲ 0.50% · 4.625%
HK$58,326
+HK$3,346/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,960/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,556
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,100
−HK$1,565/mo
Today · 4.125%
HK$60,665
baseline
▲ 0.50% · 4.625%
HK$63,863
+HK$3,198/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,330/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,359
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,236
−HK$1,908/mo
Today · 4.125%
HK$64,144
baseline
▲ 0.50% · 4.625%
HK$68,047
+HK$3,903/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,288/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,149
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,949
−HK$1,827/mo
Today · 4.125%
HK$70,776
baseline
▲ 0.50% · 4.625%
HK$74,507
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,552/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,604
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,018
−HK$2,453/mo
Today · 4.125%
HK$82,471
baseline
▲ 0.50% · 4.625%
HK$87,489
+HK$5,018/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,942/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,334
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,649
−HK$2,349/mo
Today · 4.125%
HK$90,998
baseline
▲ 0.50% · 4.625%
HK$95,795
+HK$4,797/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$181,996/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,023 · Scale 2, in force from 26 Feb 2026)