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$43,005
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,342
−HK$1,359/mo
Today · 4.125%
HK$45,701
baseline
▲ 0.50% · 4.625%
HK$48,482
+HK$2,781/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,402/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,842
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,125
−HK$1,302/mo
Today · 4.125%
HK$50,427
baseline
▲ 0.50% · 4.625%
HK$53,085
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,854/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,605
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,211
−HK$1,631/mo
Today · 4.125%
HK$54,842
baseline
▲ 0.50% · 4.625%
HK$58,179
+HK$3,337/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$109,684/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,411
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,950
−HK$1,562/mo
Today · 4.125%
HK$60,512
baseline
▲ 0.50% · 4.625%
HK$63,702
+HK$3,190/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$121,024/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,206
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,079
−HK$1,903/mo
Today · 4.125%
HK$63,982
baseline
▲ 0.50% · 4.625%
HK$67,875
+HK$3,893/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,964/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,979
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,775
−HK$1,823/mo
Today · 4.125%
HK$70,598
baseline
▲ 0.50% · 4.625%
HK$74,319
+HK$3,721/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,196/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,408
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,816
−HK$2,446/mo
Today · 4.125%
HK$82,262
baseline
▲ 0.50% · 4.625%
HK$87,268
+HK$5,006/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,524/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,116
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,425
−HK$2,343/mo
Today · 4.125%
HK$90,768
baseline
▲ 0.50% · 4.625%
HK$95,553
+HK$4,785/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,536/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,233 · Scale 2, in force from 26 Feb 2026)