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$43,016
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,354
−HK$1,359/mo
Today · 4.125%
HK$45,713
baseline
▲ 0.50% · 4.625%
HK$48,495
+HK$2,782/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,426/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,855
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,138
−HK$1,302/mo
Today · 4.125%
HK$50,440
baseline
▲ 0.50% · 4.625%
HK$53,099
+HK$2,659/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,880/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,619
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,225
−HK$1,631/mo
Today · 4.125%
HK$54,856
baseline
▲ 0.50% · 4.625%
HK$58,194
+HK$3,338/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,712/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,426
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,966
−HK$1,562/mo
Today · 4.125%
HK$60,528
baseline
▲ 0.50% · 4.625%
HK$63,719
+HK$3,191/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,056/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,222
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,096
−HK$1,903/mo
Today · 4.125%
HK$63,999
baseline
▲ 0.50% · 4.625%
HK$67,893
+HK$3,894/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$127,998/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,997
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,794
−HK$1,822/mo
Today · 4.125%
HK$70,616
baseline
▲ 0.50% · 4.625%
HK$74,339
+HK$3,723/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,232/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,429
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,837
−HK$2,447/mo
Today · 4.125%
HK$82,284
baseline
▲ 0.50% · 4.625%
HK$87,291
+HK$5,007/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,568/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,139
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,449
−HK$2,343/mo
Today · 4.125%
HK$90,792
baseline
▲ 0.50% · 4.625%
HK$95,578
+HK$4,786/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,584/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,420 · Scale 2, in force from 26 Feb 2026)