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$42,972
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,309
−HK$1,358/mo
Today · 4.125%
HK$45,667
baseline
▲ 0.50% · 4.625%
HK$48,445
+HK$2,778/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,334/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,806
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,088
−HK$1,301/mo
Today · 4.125%
HK$50,389
baseline
▲ 0.50% · 4.625%
HK$53,045
+HK$2,656/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,778/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,566
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,170
−HK$1,630/mo
Today · 4.125%
HK$54,800
baseline
▲ 0.50% · 4.625%
HK$58,135
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,600/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,367
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,906
−HK$1,560/mo
Today · 4.125%
HK$60,466
baseline
▲ 0.50% · 4.625%
HK$63,654
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,932/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,161
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,032
−HK$1,901/mo
Today · 4.125%
HK$63,933
baseline
▲ 0.50% · 4.625%
HK$67,824
+HK$3,891/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,866/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,928
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,723
−HK$1,821/mo
Today · 4.125%
HK$70,544
baseline
▲ 0.50% · 4.625%
HK$74,263
+HK$3,719/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,088/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,350
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,756
−HK$2,444/mo
Today · 4.125%
HK$82,200
baseline
▲ 0.50% · 4.625%
HK$87,202
+HK$5,002/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,400/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,051
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,359
−HK$2,341/mo
Today · 4.125%
HK$90,700
baseline
▲ 0.50% · 4.625%
HK$95,481
+HK$4,781/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,400/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,698 · Scale 2, in force from 26 Feb 2026)