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$43,125
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,467
−HK$1,363/mo
Today · 4.125%
HK$45,830
baseline
▲ 0.50% · 4.625%
HK$48,618
+HK$2,788/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,660/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,977
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,263
−HK$1,306/mo
Today · 4.125%
HK$50,569
baseline
▲ 0.50% · 4.625%
HK$53,234
+HK$2,665/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,138/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,750
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,360
−HK$1,636/mo
Today · 4.125%
HK$54,996
baseline
▲ 0.50% · 4.625%
HK$58,342
+HK$3,346/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$109,992/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,572
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,116
−HK$1,566/mo
Today · 4.125%
HK$60,682
baseline
▲ 0.50% · 4.625%
HK$63,881
+HK$3,199/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,364/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,376
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,254
−HK$1,908/mo
Today · 4.125%
HK$64,162
baseline
▲ 0.50% · 4.625%
HK$68,066
+HK$3,904/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,324/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,167
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,969
−HK$1,827/mo
Today · 4.125%
HK$70,796
baseline
▲ 0.50% · 4.625%
HK$74,528
+HK$3,732/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,592/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,626
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,040
−HK$2,454/mo
Today · 4.125%
HK$82,494
baseline
▲ 0.50% · 4.625%
HK$87,513
+HK$5,019/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,988/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,358
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,674
−HK$2,350/mo
Today · 4.125%
HK$91,024
baseline
▲ 0.50% · 4.625%
HK$95,821
+HK$4,797/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,048/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,220 · Scale 2, in force from 26 Feb 2026)