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$43,001
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,339
−HK$1,359/mo
Today · 4.125%
HK$45,698
baseline
▲ 0.50% · 4.625%
HK$48,479
+HK$2,781/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,396/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,839
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,122
−HK$1,301/mo
Today · 4.125%
HK$50,423
baseline
▲ 0.50% · 4.625%
HK$53,081
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,846/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,602
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,631/mo
Today · 4.125%
HK$54,838
baseline
▲ 0.50% · 4.625%
HK$58,174
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,676/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,406
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,946
−HK$1,562/mo
Today · 4.125%
HK$60,508
baseline
▲ 0.50% · 4.625%
HK$63,697
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$121,016/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,202
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,075
−HK$1,902/mo
Today · 4.125%
HK$63,977
baseline
▲ 0.50% · 4.625%
HK$67,870
+HK$3,893/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,954/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,974
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,770
−HK$1,823/mo
Today · 4.125%
HK$70,593
baseline
▲ 0.50% · 4.625%
HK$74,314
+HK$3,721/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,186/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,403
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,810
−HK$2,446/mo
Today · 4.125%
HK$82,256
baseline
▲ 0.50% · 4.625%
HK$87,262
+HK$5,006/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,512/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,110
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,419
−HK$2,343/mo
Today · 4.125%
HK$90,762
baseline
▲ 0.50% · 4.625%
HK$95,546
+HK$4,784/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,524/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,182 · Scale 2, in force from 26 Feb 2026)