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$42,994
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,331
−HK$1,359/mo
Today · 4.125%
HK$45,690
baseline
▲ 0.50% · 4.625%
HK$48,470
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,380/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$707,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,830
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,113
−HK$1,301/mo
Today · 4.125%
HK$50,414
baseline
▲ 0.50% · 4.625%
HK$53,072
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,828/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$707,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,593
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,197
−HK$1,631/mo
Today · 4.125%
HK$54,828
baseline
▲ 0.50% · 4.625%
HK$58,164
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,656/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,396
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,936
−HK$1,561/mo
Today · 4.125%
HK$60,497
baseline
▲ 0.50% · 4.625%
HK$63,686
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,994/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,191
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,064
−HK$1,902/mo
Today · 4.125%
HK$63,966
baseline
▲ 0.50% · 4.625%
HK$67,858
+HK$3,892/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,932/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,962
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,758
−HK$1,822/mo
Today · 4.125%
HK$70,580
baseline
▲ 0.50% · 4.625%
HK$74,301
+HK$3,721/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,160/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,389
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,796
−HK$2,446/mo
Today · 4.125%
HK$82,242
baseline
▲ 0.50% · 4.625%
HK$87,246
+HK$5,004/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,484/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,094
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,403
−HK$2,343/mo
Today · 4.125%
HK$90,746
baseline
▲ 0.50% · 4.625%
HK$95,529
+HK$4,783/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,492/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,057 · Scale 2, in force from 26 Feb 2026)