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$42,985
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,322
−HK$1,359/mo
Today · 4.125%
HK$45,681
baseline
▲ 0.50% · 4.625%
HK$48,460
+HK$2,779/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,362/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,820
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,103
−HK$1,301/mo
Today · 4.125%
HK$50,404
baseline
▲ 0.50% · 4.625%
HK$53,061
+HK$2,657/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,808/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,582
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,630/mo
Today · 4.125%
HK$54,817
baseline
▲ 0.50% · 4.625%
HK$58,152
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,634/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,385
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,924
−HK$1,561/mo
Today · 4.125%
HK$60,485
baseline
▲ 0.50% · 4.625%
HK$63,673
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,970/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,179
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,902/mo
Today · 4.125%
HK$63,953
baseline
▲ 0.50% · 4.625%
HK$67,844
+HK$3,891/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,906/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,949
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,744
−HK$1,822/mo
Today · 4.125%
HK$70,566
baseline
▲ 0.50% · 4.625%
HK$74,285
+HK$3,719/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,132/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,373
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,780
−HK$2,445/mo
Today · 4.125%
HK$82,225
baseline
▲ 0.50% · 4.625%
HK$87,228
+HK$5,003/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,450/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,077
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,385
−HK$2,342/mo
Today · 4.125%
HK$90,727
baseline
▲ 0.50% · 4.625%
HK$95,510
+HK$4,783/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,454/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,912 · Scale 2, in force from 26 Feb 2026)