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$42,995
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,333
−HK$1,359/mo
Today · 4.125%
HK$45,692
baseline
▲ 0.50% · 4.625%
HK$48,472
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,384/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$707,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,832
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,115
−HK$1,301/mo
Today · 4.125%
HK$50,416
baseline
▲ 0.50% · 4.625%
HK$53,074
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,832/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$707,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,594
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,631/mo
Today · 4.125%
HK$54,830
baseline
▲ 0.50% · 4.625%
HK$58,166
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,660/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,398
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,938
−HK$1,561/mo
Today · 4.125%
HK$60,499
baseline
▲ 0.50% · 4.625%
HK$63,688
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,998/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,193
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,066
−HK$1,902/mo
Today · 4.125%
HK$63,968
baseline
▲ 0.50% · 4.625%
HK$67,860
+HK$3,892/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,936/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,965
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,761
−HK$1,822/mo
Today · 4.125%
HK$70,583
baseline
▲ 0.50% · 4.625%
HK$74,303
+HK$3,720/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,166/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,392
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,799
−HK$2,446/mo
Today · 4.125%
HK$82,245
baseline
▲ 0.50% · 4.625%
HK$87,249
+HK$5,004/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,490/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,097
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,406
−HK$2,343/mo
Today · 4.125%
HK$90,749
baseline
▲ 0.50% · 4.625%
HK$95,532
+HK$4,783/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,498/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,081 · Scale 2, in force from 26 Feb 2026)