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$43,142
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,484
−HK$1,363/mo
Today · 4.125%
HK$45,847
baseline
▲ 0.50% · 4.625%
HK$48,637
+HK$2,790/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,694/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,995
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,282
−HK$1,306/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,255
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,770
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,381
−HK$1,636/mo
Today · 4.125%
HK$55,017
baseline
▲ 0.50% · 4.625%
HK$58,365
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,034/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,594
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,139
−HK$1,567/mo
Today · 4.125%
HK$60,706
baseline
▲ 0.50% · 4.625%
HK$63,906
+HK$3,200/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,412/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,399
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,278
−HK$1,908/mo
Today · 4.125%
HK$64,186
baseline
▲ 0.50% · 4.625%
HK$68,092
+HK$3,906/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,372/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,193
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,995
−HK$1,828/mo
Today · 4.125%
HK$70,823
baseline
▲ 0.50% · 4.625%
HK$74,557
+HK$3,734/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,646/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,656
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,071
−HK$2,454/mo
Today · 4.125%
HK$82,525
baseline
▲ 0.50% · 4.625%
HK$87,547
+HK$5,022/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,050/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,391
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,708
−HK$2,351/mo
Today · 4.125%
HK$91,059
baseline
▲ 0.50% · 4.625%
HK$95,858
+HK$4,799/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,118/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,493 · Scale 2, in force from 26 Feb 2026)