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$43,115
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,457
−HK$1,362/mo
Today · 4.125%
HK$45,819
baseline
▲ 0.50% · 4.625%
HK$48,607
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,638/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,965
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,252
−HK$1,305/mo
Today · 4.125%
HK$50,557
baseline
▲ 0.50% · 4.625%
HK$53,222
+HK$2,665/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,114/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,738
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,348
−HK$1,635/mo
Today · 4.125%
HK$54,983
baseline
▲ 0.50% · 4.625%
HK$58,329
+HK$3,346/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,966/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,559
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,102
−HK$1,566/mo
Today · 4.125%
HK$60,668
baseline
▲ 0.50% · 4.625%
HK$63,866
+HK$3,198/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,336/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,362
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,239
−HK$1,908/mo
Today · 4.125%
HK$64,147
baseline
▲ 0.50% · 4.625%
HK$68,050
+HK$3,903/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,294/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,152
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,953
−HK$1,827/mo
Today · 4.125%
HK$70,780
baseline
▲ 0.50% · 4.625%
HK$74,511
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,560/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,608
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,022
−HK$2,452/mo
Today · 4.125%
HK$82,474
baseline
▲ 0.50% · 4.625%
HK$87,493
+HK$5,019/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,948/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,338
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,653
−HK$2,349/mo
Today · 4.125%
HK$91,002
baseline
▲ 0.50% · 4.625%
HK$95,799
+HK$4,797/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,004/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,056 · Scale 2, in force from 26 Feb 2026)