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$43,141
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,483
−HK$1,363/mo
Today · 4.125%
HK$45,846
baseline
▲ 0.50% · 4.625%
HK$48,636
+HK$2,790/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,692/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,994
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,281
−HK$1,306/mo
Today · 4.125%
HK$50,587
baseline
▲ 0.50% · 4.625%
HK$53,253
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,174/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,769
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,379
−HK$1,637/mo
Today · 4.125%
HK$55,016
baseline
▲ 0.50% · 4.625%
HK$58,363
+HK$3,347/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,032/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,593
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,137
−HK$1,567/mo
Today · 4.125%
HK$60,704
baseline
▲ 0.50% · 4.625%
HK$63,904
+HK$3,200/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,408/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,397
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,276
−HK$1,909/mo
Today · 4.125%
HK$64,185
baseline
▲ 0.50% · 4.625%
HK$68,090
+HK$3,905/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,370/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,191
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$68,994
−HK$1,828/mo
Today · 4.125%
HK$70,822
baseline
▲ 0.50% · 4.625%
HK$74,555
+HK$3,733/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,644/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,654
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,069
−HK$2,454/mo
Today · 4.125%
HK$82,523
baseline
▲ 0.50% · 4.625%
HK$87,545
+HK$5,022/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,046/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,389
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,706
−HK$2,350/mo
Today · 4.125%
HK$91,056
baseline
▲ 0.50% · 4.625%
HK$95,856
+HK$4,800/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,112/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,476 · Scale 2, in force from 26 Feb 2026)