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$43,125
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,466
−HK$1,363/mo
Today · 4.125%
HK$45,829
baseline
▲ 0.50% · 4.625%
HK$48,618
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,658/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,976
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,263
−HK$1,305/mo
Today · 4.125%
HK$50,568
baseline
▲ 0.50% · 4.625%
HK$53,233
+HK$2,665/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,136/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,750
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,359
−HK$1,636/mo
Today · 4.125%
HK$54,995
baseline
▲ 0.50% · 4.625%
HK$58,341
+HK$3,346/mo
Deposit HK$7.56M · loan HK$11.35M · min. income ≈ HK$109,990/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,571
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,115
−HK$1,566/mo
Today · 4.125%
HK$60,681
baseline
▲ 0.50% · 4.625%
HK$63,880
+HK$3,199/mo
Deposit HK$7.56M · loan HK$11.35M · min. income ≈ HK$121,362/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,375
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,253
−HK$1,908/mo
Today · 4.125%
HK$64,161
baseline
▲ 0.50% · 4.625%
HK$68,065
+HK$3,904/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,322/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,166
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,968
−HK$1,827/mo
Today · 4.125%
HK$70,795
baseline
▲ 0.50% · 4.625%
HK$74,527
+HK$3,732/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,590/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,625
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,039
−HK$2,453/mo
Today · 4.125%
HK$82,492
baseline
▲ 0.50% · 4.625%
HK$87,512
+HK$5,020/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,984/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,357
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,673
−HK$2,349/mo
Today · 4.125%
HK$91,022
baseline
▲ 0.50% · 4.625%
HK$95,820
+HK$4,798/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,044/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,210 · Scale 2, in force from 26 Feb 2026)