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$43,034
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,372
−HK$1,360/mo
Today · 4.125%
HK$45,732
baseline
▲ 0.50% · 4.625%
HK$48,515
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,464/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,875
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,159
−HK$1,302/mo
Today · 4.125%
HK$50,461
baseline
▲ 0.50% · 4.625%
HK$53,121
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,922/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,640
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,247
−HK$1,632/mo
Today · 4.125%
HK$54,879
baseline
▲ 0.50% · 4.625%
HK$58,218
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,758/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,450
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,990
−HK$1,563/mo
Today · 4.125%
HK$60,553
baseline
▲ 0.50% · 4.625%
HK$63,745
+HK$3,192/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,106/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,247
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,121
−HK$1,904/mo
Today · 4.125%
HK$64,025
baseline
▲ 0.50% · 4.625%
HK$67,921
+HK$3,896/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,050/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,024
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,822
−HK$1,824/mo
Today · 4.125%
HK$70,646
baseline
▲ 0.50% · 4.625%
HK$74,369
+HK$3,723/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,292/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,461
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,870
−HK$2,448/mo
Today · 4.125%
HK$82,318
baseline
▲ 0.50% · 4.625%
HK$87,327
+HK$5,009/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,636/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,174
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,485
−HK$2,345/mo
Today · 4.125%
HK$90,830
baseline
▲ 0.50% · 4.625%
HK$95,618
+HK$4,788/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,660/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,712 · Scale 2, in force from 26 Feb 2026)