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$42,967
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,304
−HK$1,358/mo
Today · 4.125%
HK$45,662
baseline
▲ 0.50% · 4.625%
HK$48,440
+HK$2,778/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,324/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,801
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,083
−HK$1,300/mo
Today · 4.125%
HK$50,383
baseline
▲ 0.50% · 4.625%
HK$53,039
+HK$2,656/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,766/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,561
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,165
−HK$1,629/mo
Today · 4.125%
HK$54,794
baseline
▲ 0.50% · 4.625%
HK$58,128
+HK$3,334/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,588/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,361
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,899
−HK$1,561/mo
Today · 4.125%
HK$60,460
baseline
▲ 0.50% · 4.625%
HK$63,647
+HK$3,187/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,920/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,154
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,025
−HK$1,901/mo
Today · 4.125%
HK$63,926
baseline
▲ 0.50% · 4.625%
HK$67,816
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,852/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,921
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,716
−HK$1,820/mo
Today · 4.125%
HK$70,536
baseline
▲ 0.50% · 4.625%
HK$74,255
+HK$3,719/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,072/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,341
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,747
−HK$2,444/mo
Today · 4.125%
HK$82,191
baseline
▲ 0.50% · 4.625%
HK$87,192
+HK$5,001/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,382/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,041
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,349
−HK$2,341/mo
Today · 4.125%
HK$90,690
baseline
▲ 0.50% · 4.625%
HK$95,470
+HK$4,780/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,380/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,620 · Scale 2, in force from 26 Feb 2026)