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$42,969
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,306
−HK$1,358/mo
Today · 4.125%
HK$45,664
baseline
▲ 0.50% · 4.625%
HK$48,443
+HK$2,779/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,328/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,803
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,085
−HK$1,301/mo
Today · 4.125%
HK$50,386
baseline
▲ 0.50% · 4.625%
HK$53,042
+HK$2,656/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,772/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,563
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,167
−HK$1,630/mo
Today · 4.125%
HK$54,797
baseline
▲ 0.50% · 4.625%
HK$58,131
+HK$3,334/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,594/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,364
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,902
−HK$1,561/mo
Today · 4.125%
HK$60,463
baseline
▲ 0.50% · 4.625%
HK$63,650
+HK$3,187/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,926/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,157
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,028
−HK$1,902/mo
Today · 4.125%
HK$63,930
baseline
▲ 0.50% · 4.625%
HK$67,820
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,860/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,924
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,719
−HK$1,821/mo
Today · 4.125%
HK$70,540
baseline
▲ 0.50% · 4.625%
HK$74,258
+HK$3,718/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,080/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,345
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,751
−HK$2,444/mo
Today · 4.125%
HK$82,195
baseline
▲ 0.50% · 4.625%
HK$87,197
+HK$5,002/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,390/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,046
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,353
−HK$2,341/mo
Today · 4.125%
HK$90,694
baseline
▲ 0.50% · 4.625%
HK$95,475
+HK$4,781/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,388/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,655 · Scale 2, in force from 26 Feb 2026)