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$42,998
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,336
−HK$1,359/mo
Today · 4.125%
HK$45,695
baseline
▲ 0.50% · 4.625%
HK$48,475
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,390/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,835
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,118
−HK$1,302/mo
Today · 4.125%
HK$50,420
baseline
▲ 0.50% · 4.625%
HK$53,077
+HK$2,657/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,840/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,598
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,203
−HK$1,631/mo
Today · 4.125%
HK$54,834
baseline
▲ 0.50% · 4.625%
HK$58,170
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,668/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,402
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,942
−HK$1,561/mo
Today · 4.125%
HK$60,503
baseline
▲ 0.50% · 4.625%
HK$63,693
+HK$3,190/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$121,006/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,198
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,070
−HK$1,903/mo
Today · 4.125%
HK$63,973
baseline
▲ 0.50% · 4.625%
HK$67,865
+HK$3,892/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,946/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,969
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,765
−HK$1,822/mo
Today · 4.125%
HK$70,587
baseline
▲ 0.50% · 4.625%
HK$74,308
+HK$3,721/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,174/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,397
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,804
−HK$2,446/mo
Today · 4.125%
HK$82,250
baseline
▲ 0.50% · 4.625%
HK$87,255
+HK$5,005/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,500/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,103
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,413
−HK$2,342/mo
Today · 4.125%
HK$90,755
baseline
▲ 0.50% · 4.625%
HK$95,539
+HK$4,784/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,510/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,130 · Scale 2, in force from 26 Feb 2026)