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$707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,831
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,113
−HK$1,302/mo
Today · 4.125%
HK$50,415
baseline
▲ 0.50% · 4.625%
HK$53,072
+HK$2,657/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,830/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,593
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,198
−HK$1,630/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$707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,397
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,936
−HK$1,562/mo
Today · 4.125%
HK$60,498
baseline
▲ 0.50% · 4.625%
HK$63,687
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,996/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,192
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,064
−HK$1,902/mo
Today · 4.125%
HK$63,966
baseline
▲ 0.50% · 4.625%
HK$67,859
+HK$3,893/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$707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,963
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,759
−HK$1,822/mo
Today · 4.125%
HK$70,581
baseline
▲ 0.50% · 4.625%
HK$74,301
+HK$3,720/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,162/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,389
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,797
−HK$2,445/mo
Today · 4.125%
HK$82,242
baseline
▲ 0.50% · 4.625%
HK$87,247
+HK$5,005/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$707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,095
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,404
−HK$2,342/mo
Today · 4.125%
HK$90,746
baseline
▲ 0.50% · 4.625%
HK$95,530
+HK$4,784/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$707,061 · Scale 2, in force from 26 Feb 2026)