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$42,990
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,327
−HK$1,359/mo
Today · 4.125%
HK$45,686
baseline
▲ 0.50% · 4.625%
HK$48,465
+HK$2,779/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,372/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,826
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,108
−HK$1,301/mo
Today · 4.125%
HK$50,409
baseline
▲ 0.50% · 4.625%
HK$53,067
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,818/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,588
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,192
−HK$1,631/mo
Today · 4.125%
HK$54,823
baseline
▲ 0.50% · 4.625%
HK$58,158
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,646/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,391
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,930
−HK$1,561/mo
Today · 4.125%
HK$60,491
baseline
▲ 0.50% · 4.625%
HK$63,680
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,982/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,186
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,058
−HK$1,902/mo
Today · 4.125%
HK$63,960
baseline
▲ 0.50% · 4.625%
HK$67,852
+HK$3,892/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,920/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,956
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,752
−HK$1,821/mo
Today · 4.125%
HK$70,573
baseline
▲ 0.50% · 4.625%
HK$74,293
+HK$3,720/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,146/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,381
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,788
−HK$2,446/mo
Today · 4.125%
HK$82,234
baseline
▲ 0.50% · 4.625%
HK$87,238
+HK$5,004/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,468/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,086
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,395
−HK$2,342/mo
Today · 4.125%
HK$90,737
baseline
▲ 0.50% · 4.625%
HK$95,520
+HK$4,783/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,474/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,988 · Scale 2, in force from 26 Feb 2026)