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$42,987
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,324
−HK$1,358/mo
Today · 4.125%
HK$45,682
baseline
▲ 0.50% · 4.625%
HK$48,462
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,364/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,822
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,105
−HK$1,301/mo
Today · 4.125%
HK$50,406
baseline
▲ 0.50% · 4.625%
HK$53,063
+HK$2,657/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,812/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,584
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,189
−HK$1,630/mo
Today · 4.125%
HK$54,819
baseline
▲ 0.50% · 4.625%
HK$58,154
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,638/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,387
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,926
−HK$1,561/mo
Today · 4.125%
HK$60,487
baseline
▲ 0.50% · 4.625%
HK$63,676
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,974/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,181
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,053
−HK$1,902/mo
Today · 4.125%
HK$63,955
baseline
▲ 0.50% · 4.625%
HK$67,847
+HK$3,892/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,910/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,951
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,747
−HK$1,821/mo
Today · 4.125%
HK$70,568
baseline
▲ 0.50% · 4.625%
HK$74,288
+HK$3,720/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,136/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,376
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,783
−HK$2,445/mo
Today · 4.125%
HK$82,228
baseline
▲ 0.50% · 4.625%
HK$87,232
+HK$5,004/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,456/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,080
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,389
−HK$2,342/mo
Today · 4.125%
HK$90,731
baseline
▲ 0.50% · 4.625%
HK$95,513
+HK$4,782/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,462/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,939 · Scale 2, in force from 26 Feb 2026)