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$43,115
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,456
−HK$1,363/mo
Today · 4.125%
HK$45,819
baseline
▲ 0.50% · 4.625%
HK$48,607
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,638/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,965
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,252
−HK$1,305/mo
Today · 4.125%
HK$50,557
baseline
▲ 0.50% · 4.625%
HK$53,222
+HK$2,665/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,114/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,738
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,348
−HK$1,635/mo
Today · 4.125%
HK$54,983
baseline
▲ 0.50% · 4.625%
HK$58,328
+HK$3,345/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,966/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,558
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,102
−HK$1,566/mo
Today · 4.125%
HK$60,668
baseline
▲ 0.50% · 4.625%
HK$63,866
+HK$3,198/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,336/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,361
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,239
−HK$1,907/mo
Today · 4.125%
HK$64,146
baseline
▲ 0.50% · 4.625%
HK$68,050
+HK$3,904/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,292/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,151
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,952
−HK$1,827/mo
Today · 4.125%
HK$70,779
baseline
▲ 0.50% · 4.625%
HK$74,510
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,558/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,607
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,021
−HK$2,453/mo
Today · 4.125%
HK$82,474
baseline
▲ 0.50% · 4.625%
HK$87,492
+HK$5,018/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,948/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,337
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,653
−HK$2,349/mo
Today · 4.125%
HK$91,002
baseline
▲ 0.50% · 4.625%
HK$95,799
+HK$4,797/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,004/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,052 · Scale 2, in force from 26 Feb 2026)