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$43,061
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,401
−HK$1,361/mo
Today · 4.125%
HK$45,762
baseline
▲ 0.50% · 4.625%
HK$48,546
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,524/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,905
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,190
−HK$1,303/mo
Today · 4.125%
HK$50,493
baseline
▲ 0.50% · 4.625%
HK$53,155
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,986/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,674
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,281
−HK$1,633/mo
Today · 4.125%
HK$54,914
baseline
▲ 0.50% · 4.625%
HK$58,255
+HK$3,341/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,828/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,486
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,028
−HK$1,564/mo
Today · 4.125%
HK$60,592
baseline
▲ 0.50% · 4.625%
HK$63,786
+HK$3,194/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,184/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,286
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,161
−HK$1,905/mo
Today · 4.125%
HK$64,066
baseline
▲ 0.50% · 4.625%
HK$67,964
+HK$3,898/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,132/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,067
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,866
−HK$1,825/mo
Today · 4.125%
HK$70,691
baseline
▲ 0.50% · 4.625%
HK$74,417
+HK$3,726/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,382/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,510
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,921
−HK$2,450/mo
Today · 4.125%
HK$82,371
baseline
▲ 0.50% · 4.625%
HK$87,383
+HK$5,012/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,742/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,229
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,542
−HK$2,346/mo
Today · 4.125%
HK$90,888
baseline
▲ 0.50% · 4.625%
HK$95,679
+HK$4,791/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,776/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,165 · Scale 2, in force from 26 Feb 2026)