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$43,039
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,378
−HK$1,360/mo
Today · 4.125%
HK$45,738
baseline
▲ 0.50% · 4.625%
HK$48,521
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,476/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,881
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,165
−HK$1,303/mo
Today · 4.125%
HK$50,468
baseline
▲ 0.50% · 4.625%
HK$53,128
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,936/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,647
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,254
−HK$1,632/mo
Today · 4.125%
HK$54,886
baseline
▲ 0.50% · 4.625%
HK$58,226
+HK$3,340/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,772/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,457
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,998
−HK$1,563/mo
Today · 4.125%
HK$60,561
baseline
▲ 0.50% · 4.625%
HK$63,754
+HK$3,193/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,122/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,255
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,130
−HK$1,904/mo
Today · 4.125%
HK$64,034
baseline
▲ 0.50% · 4.625%
HK$67,930
+HK$3,896/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,068/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,033
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,831
−HK$1,824/mo
Today · 4.125%
HK$70,655
baseline
▲ 0.50% · 4.625%
HK$74,379
+HK$3,724/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,310/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,471
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,881
−HK$2,448/mo
Today · 4.125%
HK$82,329
baseline
▲ 0.50% · 4.625%
HK$87,339
+HK$5,010/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,658/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,186
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,497
−HK$2,345/mo
Today · 4.125%
HK$90,842
baseline
▲ 0.50% · 4.625%
HK$95,630
+HK$4,788/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,684/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,807 · Scale 2, in force from 26 Feb 2026)