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$43,063
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,402
−HK$1,361/mo
Today · 4.125%
HK$45,763
baseline
▲ 0.50% · 4.625%
HK$48,547
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,526/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,907
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,191
−HK$1,304/mo
Today · 4.125%
HK$50,495
baseline
▲ 0.50% · 4.625%
HK$53,157
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,990/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,675
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,282
−HK$1,633/mo
Today · 4.125%
HK$54,915
baseline
▲ 0.50% · 4.625%
HK$58,257
+HK$3,342/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,830/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,488
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,030
−HK$1,564/mo
Today · 4.125%
HK$60,594
baseline
▲ 0.50% · 4.625%
HK$63,788
+HK$3,194/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,188/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,288
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,163
−HK$1,905/mo
Today · 4.125%
HK$64,068
baseline
▲ 0.50% · 4.625%
HK$67,966
+HK$3,898/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,136/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,069
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,868
−HK$1,825/mo
Today · 4.125%
HK$70,693
baseline
▲ 0.50% · 4.625%
HK$74,419
+HK$3,726/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,386/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,513
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,924
−HK$2,449/mo
Today · 4.125%
HK$82,373
baseline
▲ 0.50% · 4.625%
HK$87,385
+HK$5,012/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,746/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,232
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,545
−HK$2,346/mo
Today · 4.125%
HK$90,891
baseline
▲ 0.50% · 4.625%
HK$95,682
+HK$4,791/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,782/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,186 · Scale 2, in force from 26 Feb 2026)