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$43,024
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,362
−HK$1,360/mo
Today · 4.125%
HK$45,722
baseline
▲ 0.50% · 4.625%
HK$48,504
+HK$2,782/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,444/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,863
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,147
−HK$1,302/mo
Today · 4.125%
HK$50,449
baseline
▲ 0.50% · 4.625%
HK$53,109
+HK$2,660/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,898/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,628
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,234
−HK$1,632/mo
Today · 4.125%
HK$54,866
baseline
▲ 0.50% · 4.625%
HK$58,204
+HK$3,338/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,732/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,436
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,976
−HK$1,563/mo
Today · 4.125%
HK$60,539
baseline
▲ 0.50% · 4.625%
HK$63,730
+HK$3,191/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,078/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,233
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,107
−HK$1,903/mo
Today · 4.125%
HK$64,010
baseline
▲ 0.50% · 4.625%
HK$67,905
+HK$3,895/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,020/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,009
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,806
−HK$1,823/mo
Today · 4.125%
HK$70,629
baseline
▲ 0.50% · 4.625%
HK$74,352
+HK$3,723/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,258/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,443
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,851
−HK$2,448/mo
Today · 4.125%
HK$82,299
baseline
▲ 0.50% · 4.625%
HK$87,307
+HK$5,008/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,598/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,154
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,465
−HK$2,344/mo
Today · 4.125%
HK$90,809
baseline
▲ 0.50% · 4.625%
HK$95,595
+HK$4,786/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,618/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,547 · Scale 2, in force from 26 Feb 2026)