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$43,060
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,399
−HK$1,361/mo
Today · 4.125%
HK$45,760
baseline
▲ 0.50% · 4.625%
HK$48,545
+HK$2,785/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,520/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,904
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,188
−HK$1,304/mo
Today · 4.125%
HK$50,492
baseline
▲ 0.50% · 4.625%
HK$53,153
+HK$2,661/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,984/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,672
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,279
−HK$1,633/mo
Today · 4.125%
HK$54,912
baseline
▲ 0.50% · 4.625%
HK$58,253
+HK$3,341/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,824/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,484
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,026
−HK$1,564/mo
Today · 4.125%
HK$60,590
baseline
▲ 0.50% · 4.625%
HK$63,784
+HK$3,194/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,180/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,284
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,159
−HK$1,905/mo
Today · 4.125%
HK$64,064
baseline
▲ 0.50% · 4.625%
HK$67,962
+HK$3,898/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,128/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,065
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,864
−HK$1,825/mo
Today · 4.125%
HK$70,689
baseline
▲ 0.50% · 4.625%
HK$74,415
+HK$3,726/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,378/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,508
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,919
−HK$2,449/mo
Today · 4.125%
HK$82,368
baseline
▲ 0.50% · 4.625%
HK$87,380
+HK$5,012/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,736/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,227
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,539
−HK$2,346/mo
Today · 4.125%
HK$90,885
baseline
▲ 0.50% · 4.625%
HK$95,676
+HK$4,791/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,770/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,143 · Scale 2, in force from 26 Feb 2026)