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$43,026
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,365
−HK$1,360/mo
Today · 4.125%
HK$45,725
baseline
▲ 0.50% · 4.625%
HK$48,507
+HK$2,782/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,450/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,866
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,150
−HK$1,303/mo
Today · 4.125%
HK$50,453
baseline
▲ 0.50% · 4.625%
HK$53,112
+HK$2,659/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,906/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,632
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,238
−HK$1,631/mo
Today · 4.125%
HK$54,869
baseline
▲ 0.50% · 4.625%
HK$58,208
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,738/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,440
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,980
−HK$1,563/mo
Today · 4.125%
HK$60,543
baseline
▲ 0.50% · 4.625%
HK$63,734
+HK$3,191/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,086/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,237
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,111
−HK$1,903/mo
Today · 4.125%
HK$64,014
baseline
▲ 0.50% · 4.625%
HK$67,909
+HK$3,895/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,028/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,013
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,810
−HK$1,824/mo
Today · 4.125%
HK$70,634
baseline
▲ 0.50% · 4.625%
HK$74,357
+HK$3,723/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,268/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,448
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,857
−HK$2,447/mo
Today · 4.125%
HK$82,304
baseline
▲ 0.50% · 4.625%
HK$87,312
+HK$5,008/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,608/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,160
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,470
−HK$2,345/mo
Today · 4.125%
HK$90,815
baseline
▲ 0.50% · 4.625%
HK$95,601
+HK$4,786/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,630/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,592 · Scale 2, in force from 26 Feb 2026)