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$43,029
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,368
−HK$1,360/mo
Today · 4.125%
HK$45,728
baseline
▲ 0.50% · 4.625%
HK$48,510
+HK$2,782/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,456/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,870
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,153
−HK$1,303/mo
Today · 4.125%
HK$50,456
baseline
▲ 0.50% · 4.625%
HK$53,115
+HK$2,659/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,912/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,635
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,241
−HK$1,632/mo
Today · 4.125%
HK$54,873
baseline
▲ 0.50% · 4.625%
HK$58,212
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,746/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,444
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,984
−HK$1,563/mo
Today · 4.125%
HK$60,547
baseline
▲ 0.50% · 4.625%
HK$63,739
+HK$3,192/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,094/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,241
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,115
−HK$1,904/mo
Today · 4.125%
HK$64,019
baseline
▲ 0.50% · 4.625%
HK$67,914
+HK$3,895/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,038/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,017
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,815
−HK$1,823/mo
Today · 4.125%
HK$70,638
baseline
▲ 0.50% · 4.625%
HK$74,362
+HK$3,724/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,276/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,453
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,862
−HK$2,448/mo
Today · 4.125%
HK$82,310
baseline
▲ 0.50% · 4.625%
HK$87,318
+HK$5,008/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,620/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,165
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,476
−HK$2,345/mo
Today · 4.125%
HK$90,821
baseline
▲ 0.50% · 4.625%
HK$95,608
+HK$4,787/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,642/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,639 · Scale 2, in force from 26 Feb 2026)