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$43,127
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,468
−HK$1,363/mo
Today · 4.125%
HK$45,831
baseline
▲ 0.50% · 4.625%
HK$48,620
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,662/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,978
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,265
−HK$1,305/mo
Today · 4.125%
HK$50,570
baseline
▲ 0.50% · 4.625%
HK$53,236
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,140/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,752
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,362
−HK$1,636/mo
Today · 4.125%
HK$54,998
baseline
▲ 0.50% · 4.625%
HK$58,344
+HK$3,346/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$109,996/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,574
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,118
−HK$1,566/mo
Today · 4.125%
HK$60,684
baseline
▲ 0.50% · 4.625%
HK$63,883
+HK$3,199/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,368/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,378
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,256
−HK$1,908/mo
Today · 4.125%
HK$64,164
baseline
▲ 0.50% · 4.625%
HK$68,068
+HK$3,904/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,328/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,169
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,971
−HK$1,827/mo
Today · 4.125%
HK$70,798
baseline
▲ 0.50% · 4.625%
HK$74,530
+HK$3,732/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,596/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,628
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,043
−HK$2,453/mo
Today · 4.125%
HK$82,496
baseline
▲ 0.50% · 4.625%
HK$87,516
+HK$5,020/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,992/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,361
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,677
−HK$2,350/mo
Today · 4.125%
HK$91,027
baseline
▲ 0.50% · 4.625%
HK$95,825
+HK$4,798/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,054/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,244 · Scale 2, in force from 26 Feb 2026)