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$43,016
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,354
−HK$1,360/mo
Today · 4.125%
HK$45,714
baseline
▲ 0.50% · 4.625%
HK$48,496
+HK$2,782/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,428/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,855
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,139
−HK$1,302/mo
Today · 4.125%
HK$50,441
baseline
▲ 0.50% · 4.625%
HK$53,100
+HK$2,659/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,882/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,620
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,225
−HK$1,632/mo
Today · 4.125%
HK$54,857
baseline
▲ 0.50% · 4.625%
HK$58,195
+HK$3,338/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,714/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,426
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,967
−HK$1,562/mo
Today · 4.125%
HK$60,529
baseline
▲ 0.50% · 4.625%
HK$63,720
+HK$3,191/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,058/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,223
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,096
−HK$1,904/mo
Today · 4.125%
HK$64,000
baseline
▲ 0.50% · 4.625%
HK$67,894
+HK$3,894/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,000/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,997
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,794
−HK$1,823/mo
Today · 4.125%
HK$70,617
baseline
▲ 0.50% · 4.625%
HK$74,339
+HK$3,722/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,234/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,430
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,838
−HK$2,447/mo
Today · 4.125%
HK$82,285
baseline
▲ 0.50% · 4.625%
HK$87,292
+HK$5,007/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,570/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,140
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,450
−HK$2,343/mo
Today · 4.125%
HK$90,793
baseline
▲ 0.50% · 4.625%
HK$95,579
+HK$4,786/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,586/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,428 · Scale 2, in force from 26 Feb 2026)