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$42,992
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,329
−HK$1,359/mo
Today · 4.125%
HK$45,688
baseline
▲ 0.50% · 4.625%
HK$48,468
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,376/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$707,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,828
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,111
−HK$1,301/mo
Today · 4.125%
HK$50,412
baseline
▲ 0.50% · 4.625%
HK$53,070
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,824/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$707,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,591
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,195
−HK$1,631/mo
Today · 4.125%
HK$54,826
baseline
▲ 0.50% · 4.625%
HK$58,162
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,652/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,394
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,933
−HK$1,562/mo
Today · 4.125%
HK$60,495
baseline
▲ 0.50% · 4.625%
HK$63,684
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,990/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,189
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,061
−HK$1,902/mo
Today · 4.125%
HK$63,963
baseline
▲ 0.50% · 4.625%
HK$67,855
+HK$3,892/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,926/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,960
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,756
−HK$1,821/mo
Today · 4.125%
HK$70,577
baseline
▲ 0.50% · 4.625%
HK$74,298
+HK$3,721/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,154/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,386
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,793
−HK$2,446/mo
Today · 4.125%
HK$82,239
baseline
▲ 0.50% · 4.625%
HK$87,243
+HK$5,004/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,478/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,091
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,400
−HK$2,342/mo
Today · 4.125%
HK$90,742
baseline
▲ 0.50% · 4.625%
HK$95,525
+HK$4,783/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,484/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,029 · Scale 2, in force from 26 Feb 2026)