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$43,007
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,344
−HK$1,359/mo
Today · 4.125%
HK$45,703
baseline
▲ 0.50% · 4.625%
HK$48,484
+HK$2,781/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,406/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,844
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,128
−HK$1,301/mo
Today · 4.125%
HK$50,429
baseline
▲ 0.50% · 4.625%
HK$53,087
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,858/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,608
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,213
−HK$1,631/mo
Today · 4.125%
HK$54,844
baseline
▲ 0.50% · 4.625%
HK$58,181
+HK$3,337/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$109,688/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,413
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,953
−HK$1,562/mo
Today · 4.125%
HK$60,515
baseline
▲ 0.50% · 4.625%
HK$63,705
+HK$3,190/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$121,030/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,209
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,082
−HK$1,903/mo
Today · 4.125%
HK$63,985
baseline
▲ 0.50% · 4.625%
HK$67,878
+HK$3,893/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,970/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,982
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,779
−HK$1,822/mo
Today · 4.125%
HK$70,601
baseline
▲ 0.50% · 4.625%
HK$74,322
+HK$3,721/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,202/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,412
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,820
−HK$2,446/mo
Today · 4.125%
HK$82,266
baseline
▲ 0.50% · 4.625%
HK$87,272
+HK$5,006/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,532/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,120
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,430
−HK$2,343/mo
Today · 4.125%
HK$90,773
baseline
▲ 0.50% · 4.625%
HK$95,557
+HK$4,784/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,546/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,266 · Scale 2, in force from 26 Feb 2026)