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$43,032
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,370
−HK$1,360/mo
Today · 4.125%
HK$45,730
baseline
▲ 0.50% · 4.625%
HK$48,513
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,460/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,872
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,156
−HK$1,303/mo
Today · 4.125%
HK$50,459
baseline
▲ 0.50% · 4.625%
HK$53,119
+HK$2,660/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,918/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,638
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,244
−HK$1,632/mo
Today · 4.125%
HK$54,876
baseline
▲ 0.50% · 4.625%
HK$58,215
+HK$3,339/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,752/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,447
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,988
−HK$1,563/mo
Today · 4.125%
HK$60,551
baseline
▲ 0.50% · 4.625%
HK$63,742
+HK$3,191/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,102/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,244
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,118
−HK$1,904/mo
Today · 4.125%
HK$64,022
baseline
▲ 0.50% · 4.625%
HK$67,918
+HK$3,896/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,044/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,021
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,819
−HK$1,823/mo
Today · 4.125%
HK$70,642
baseline
▲ 0.50% · 4.625%
HK$74,366
+HK$3,724/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,284/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,457
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,867
−HK$2,447/mo
Today · 4.125%
HK$82,314
baseline
▲ 0.50% · 4.625%
HK$87,323
+HK$5,009/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,628/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,170
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,481
−HK$2,345/mo
Today · 4.125%
HK$90,826
baseline
▲ 0.50% · 4.625%
HK$95,613
+HK$4,787/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,652/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,680 · Scale 2, in force from 26 Feb 2026)