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$43,049
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,388
−HK$1,360/mo
Today · 4.125%
HK$45,748
baseline
▲ 0.50% · 4.625%
HK$48,532
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,496/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,891
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,176
−HK$1,303/mo
Today · 4.125%
HK$50,479
baseline
▲ 0.50% · 4.625%
HK$53,139
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,958/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,658
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,265
−HK$1,633/mo
Today · 4.125%
HK$54,898
baseline
▲ 0.50% · 4.625%
HK$58,238
+HK$3,340/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,796/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,469
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,011
−HK$1,563/mo
Today · 4.125%
HK$60,574
baseline
▲ 0.50% · 4.625%
HK$63,767
+HK$3,193/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,148/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,268
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,143
−HK$1,904/mo
Today · 4.125%
HK$64,047
baseline
▲ 0.50% · 4.625%
HK$67,944
+HK$3,897/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$128,094/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,048
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,846
−HK$1,824/mo
Today · 4.125%
HK$70,670
baseline
▲ 0.50% · 4.625%
HK$74,395
+HK$3,725/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$141,340/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,487
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,898
−HK$2,449/mo
Today · 4.125%
HK$82,347
baseline
▲ 0.50% · 4.625%
HK$87,357
+HK$5,010/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,694/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,204
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,516
−HK$2,345/mo
Today · 4.125%
HK$90,861
baseline
▲ 0.50% · 4.625%
HK$95,651
+HK$4,790/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,722/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,957 · Scale 2, in force from 26 Feb 2026)