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$43,045
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,384
−HK$1,360/mo
Today · 4.125%
HK$45,744
baseline
▲ 0.50% · 4.625%
HK$48,528
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,488/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,887
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,172
−HK$1,303/mo
Today · 4.125%
HK$50,475
baseline
▲ 0.50% · 4.625%
HK$53,135
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,950/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,654
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,261
−HK$1,632/mo
Today · 4.125%
HK$54,893
baseline
▲ 0.50% · 4.625%
HK$58,234
+HK$3,341/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,786/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,465
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$59,006
−HK$1,563/mo
Today · 4.125%
HK$60,569
baseline
▲ 0.50% · 4.625%
HK$63,762
+HK$3,193/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,138/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,263
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,138
−HK$1,904/mo
Today · 4.125%
HK$64,042
baseline
▲ 0.50% · 4.625%
HK$67,939
+HK$3,897/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,084/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,042
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,840
−HK$1,824/mo
Today · 4.125%
HK$70,664
baseline
▲ 0.50% · 4.625%
HK$74,389
+HK$3,725/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,328/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,481
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,891
−HK$2,449/mo
Today · 4.125%
HK$82,340
baseline
▲ 0.50% · 4.625%
HK$87,350
+HK$5,010/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,680/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,197
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,509
−HK$2,345/mo
Today · 4.125%
HK$90,854
baseline
▲ 0.50% · 4.625%
HK$95,643
+HK$4,789/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,708/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,901 · Scale 2, in force from 26 Feb 2026)