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$43,133
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,475
−HK$1,363/mo
Today · 4.125%
HK$45,838
baseline
▲ 0.50% · 4.625%
HK$48,627
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,676/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,985
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,272
−HK$1,305/mo
Today · 4.125%
HK$50,577
baseline
▲ 0.50% · 4.625%
HK$53,243
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,154/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,760
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,370
−HK$1,635/mo
Today · 4.125%
HK$55,005
baseline
▲ 0.50% · 4.625%
HK$58,352
+HK$3,347/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,010/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,582
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,126
−HK$1,567/mo
Today · 4.125%
HK$60,693
baseline
▲ 0.50% · 4.625%
HK$63,892
+HK$3,199/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,386/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,386
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,264
−HK$1,909/mo
Today · 4.125%
HK$64,173
baseline
▲ 0.50% · 4.625%
HK$68,078
+HK$3,905/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,346/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,179
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,981
−HK$1,827/mo
Today · 4.125%
HK$70,808
baseline
▲ 0.50% · 4.625%
HK$74,541
+HK$3,733/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,616/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,639
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,054
−HK$2,454/mo
Today · 4.125%
HK$82,508
baseline
▲ 0.50% · 4.625%
HK$87,528
+HK$5,020/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$165,016/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,373
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,689
−HK$2,350/mo
Today · 4.125%
HK$91,039
baseline
▲ 0.50% · 4.625%
HK$95,838
+HK$4,799/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,078/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,344 · Scale 2, in force from 26 Feb 2026)