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$43,031
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,370
−HK$1,360/mo
Today · 4.125%
HK$45,730
baseline
▲ 0.50% · 4.625%
HK$48,512
+HK$2,782/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,460/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,872
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,156
−HK$1,302/mo
Today · 4.125%
HK$50,458
baseline
▲ 0.50% · 4.625%
HK$53,118
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,916/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,638
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,244
−HK$1,632/mo
Today · 4.125%
HK$54,876
baseline
▲ 0.50% · 4.625%
HK$58,215
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,752/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,447
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,987
−HK$1,563/mo
Today · 4.125%
HK$60,550
baseline
▲ 0.50% · 4.625%
HK$63,742
+HK$3,192/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,100/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,244
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,118
−HK$1,904/mo
Today · 4.125%
HK$64,022
baseline
▲ 0.50% · 4.625%
HK$67,917
+HK$3,895/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,044/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,021
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,818
−HK$1,824/mo
Today · 4.125%
HK$70,642
baseline
▲ 0.50% · 4.625%
HK$74,365
+HK$3,723/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,284/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,457
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,866
−HK$2,448/mo
Today · 4.125%
HK$82,314
baseline
▲ 0.50% · 4.625%
HK$87,322
+HK$5,008/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,628/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,170
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,481
−HK$2,344/mo
Today · 4.125%
HK$90,825
baseline
▲ 0.50% · 4.625%
HK$95,613
+HK$4,788/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,650/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,676 · Scale 2, in force from 26 Feb 2026)