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$42,978
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,315
−HK$1,358/mo
Today · 4.125%
HK$45,673
baseline
▲ 0.50% · 4.625%
HK$48,452
+HK$2,779/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,346/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,813
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,095
−HK$1,301/mo
Today · 4.125%
HK$50,396
baseline
▲ 0.50% · 4.625%
HK$53,052
+HK$2,656/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,792/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,574
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,178
−HK$1,630/mo
Today · 4.125%
HK$54,808
baseline
▲ 0.50% · 4.625%
HK$58,143
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,616/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,375
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,914
−HK$1,561/mo
Today · 4.125%
HK$60,475
baseline
▲ 0.50% · 4.625%
HK$63,663
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,950/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,169
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,041
−HK$1,901/mo
Today · 4.125%
HK$63,942
baseline
▲ 0.50% · 4.625%
HK$67,833
+HK$3,891/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,884/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,938
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,733
−HK$1,821/mo
Today · 4.125%
HK$70,554
baseline
▲ 0.50% · 4.625%
HK$74,273
+HK$3,719/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,108/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,360
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,767
−HK$2,445/mo
Today · 4.125%
HK$82,212
baseline
▲ 0.50% · 4.625%
HK$87,214
+HK$5,002/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,424/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,063
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,371
−HK$2,341/mo
Today · 4.125%
HK$90,712
baseline
▲ 0.50% · 4.625%
HK$95,494
+HK$4,782/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,424/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,796 · Scale 2, in force from 26 Feb 2026)