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$42,979
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,316
−HK$1,358/mo
Today · 4.125%
HK$45,674
baseline
▲ 0.50% · 4.625%
HK$48,454
+HK$2,780/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,348/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,814
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,096
−HK$1,301/mo
Today · 4.125%
HK$50,397
baseline
▲ 0.50% · 4.625%
HK$53,054
+HK$2,657/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,794/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,575
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,179
−HK$1,630/mo
Today · 4.125%
HK$54,809
baseline
▲ 0.50% · 4.625%
HK$58,144
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,618/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,377
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,916
−HK$1,561/mo
Today · 4.125%
HK$60,477
baseline
▲ 0.50% · 4.625%
HK$63,665
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,954/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,171
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,043
−HK$1,901/mo
Today · 4.125%
HK$63,944
baseline
▲ 0.50% · 4.625%
HK$67,835
+HK$3,891/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,888/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,940
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,735
−HK$1,821/mo
Today · 4.125%
HK$70,556
baseline
▲ 0.50% · 4.625%
HK$74,275
+HK$3,719/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,112/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,363
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,769
−HK$2,445/mo
Today · 4.125%
HK$82,214
baseline
▲ 0.50% · 4.625%
HK$87,217
+HK$5,003/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,428/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,065
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,373
−HK$2,342/mo
Today · 4.125%
HK$90,715
baseline
▲ 0.50% · 4.625%
HK$95,497
+HK$4,782/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,430/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,817 · Scale 2, in force from 26 Feb 2026)