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$43,050
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,389
−HK$1,361/mo
Today · 4.125%
HK$45,750
baseline
▲ 0.50% · 4.625%
HK$48,534
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,500/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,893
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,177
−HK$1,303/mo
Today · 4.125%
HK$50,480
baseline
▲ 0.50% · 4.625%
HK$53,141
+HK$2,661/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,960/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,660
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,267
−HK$1,633/mo
Today · 4.125%
HK$54,900
baseline
▲ 0.50% · 4.625%
HK$58,240
+HK$3,340/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,800/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,472
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,013
−HK$1,564/mo
Today · 4.125%
HK$60,577
baseline
▲ 0.50% · 4.625%
HK$63,770
+HK$3,193/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,154/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,270
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,145
−HK$1,905/mo
Today · 4.125%
HK$64,050
baseline
▲ 0.50% · 4.625%
HK$67,947
+HK$3,897/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$128,100/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,050
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,848
−HK$1,825/mo
Today · 4.125%
HK$70,673
baseline
▲ 0.50% · 4.625%
HK$74,398
+HK$3,725/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$141,346/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,490
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,901
−HK$2,449/mo
Today · 4.125%
HK$82,350
baseline
▲ 0.50% · 4.625%
HK$87,361
+HK$5,011/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,700/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,207
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,519
−HK$2,346/mo
Today · 4.125%
HK$90,865
baseline
▲ 0.50% · 4.625%
HK$95,654
+HK$4,789/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,730/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,984 · Scale 2, in force from 26 Feb 2026)