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$43,033
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,371
−HK$1,360/mo
Today · 4.125%
HK$45,731
baseline
▲ 0.50% · 4.625%
HK$48,514
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,462/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,874
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,157
−HK$1,303/mo
Today · 4.125%
HK$50,460
baseline
▲ 0.50% · 4.625%
HK$53,120
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,920/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,639
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,246
−HK$1,632/mo
Today · 4.125%
HK$54,878
baseline
▲ 0.50% · 4.625%
HK$58,217
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,756/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,448
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,989
−HK$1,563/mo
Today · 4.125%
HK$60,552
baseline
▲ 0.50% · 4.625%
HK$63,744
+HK$3,192/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,104/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,246
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,120
−HK$1,904/mo
Today · 4.125%
HK$64,024
baseline
▲ 0.50% · 4.625%
HK$67,919
+HK$3,895/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,048/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,023
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,820
−HK$1,824/mo
Today · 4.125%
HK$70,644
baseline
▲ 0.50% · 4.625%
HK$74,368
+HK$3,724/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,288/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,459
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,868
−HK$2,448/mo
Today · 4.125%
HK$82,316
baseline
▲ 0.50% · 4.625%
HK$87,325
+HK$5,009/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,632/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,172
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,483
−HK$2,345/mo
Today · 4.125%
HK$90,828
baseline
▲ 0.50% · 4.625%
HK$95,616
+HK$4,788/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,656/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,696 · Scale 2, in force from 26 Feb 2026)