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$43,143
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,485
−HK$1,363/mo
Today · 4.125%
HK$45,848
baseline
▲ 0.50% · 4.625%
HK$48,638
+HK$2,790/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,696/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,996
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,283
−HK$1,306/mo
Today · 4.125%
HK$50,589
baseline
▲ 0.50% · 4.625%
HK$53,256
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,178/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,772
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,382
−HK$1,636/mo
Today · 4.125%
HK$55,018
baseline
▲ 0.50% · 4.625%
HK$58,366
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,036/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,595
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,140
−HK$1,567/mo
Today · 4.125%
HK$60,707
baseline
▲ 0.50% · 4.625%
HK$63,907
+HK$3,200/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,414/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,400
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,279
−HK$1,909/mo
Today · 4.125%
HK$64,188
baseline
▲ 0.50% · 4.625%
HK$68,094
+HK$3,906/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,376/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,195
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,997
−HK$1,828/mo
Today · 4.125%
HK$70,825
baseline
▲ 0.50% · 4.625%
HK$74,558
+HK$3,733/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,650/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,657
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,073
−HK$2,454/mo
Today · 4.125%
HK$82,527
baseline
▲ 0.50% · 4.625%
HK$87,549
+HK$5,022/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,054/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,393
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,710
−HK$2,351/mo
Today · 4.125%
HK$91,061
baseline
▲ 0.50% · 4.625%
HK$95,861
+HK$4,800/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,122/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,510 · Scale 2, in force from 26 Feb 2026)