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$43,005
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,343
−HK$1,359/mo
Today · 4.125%
HK$45,702
baseline
▲ 0.50% · 4.625%
HK$48,483
+HK$2,781/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,404/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,843
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,126
−HK$1,302/mo
Today · 4.125%
HK$50,428
baseline
▲ 0.50% · 4.625%
HK$53,086
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,856/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,607
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,212
−HK$1,631/mo
Today · 4.125%
HK$54,843
baseline
▲ 0.50% · 4.625%
HK$58,180
+HK$3,337/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$109,686/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,412
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,951
−HK$1,563/mo
Today · 4.125%
HK$60,514
baseline
▲ 0.50% · 4.625%
HK$63,703
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$121,028/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,208
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,080
−HK$1,903/mo
Today · 4.125%
HK$63,983
baseline
▲ 0.50% · 4.625%
HK$67,876
+HK$3,893/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,966/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,980
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,777
−HK$1,822/mo
Today · 4.125%
HK$70,599
baseline
▲ 0.50% · 4.625%
HK$74,320
+HK$3,721/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,198/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,410
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,818
−HK$2,446/mo
Today · 4.125%
HK$82,264
baseline
▲ 0.50% · 4.625%
HK$87,270
+HK$5,006/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,528/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,118
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,427
−HK$2,343/mo
Today · 4.125%
HK$90,770
baseline
▲ 0.50% · 4.625%
HK$95,555
+HK$4,785/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,540/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,247 · Scale 2, in force from 26 Feb 2026)