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$43,020
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,358
−HK$1,360/mo
Today · 4.125%
HK$45,718
baseline
▲ 0.50% · 4.625%
HK$48,500
+HK$2,782/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,436/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,860
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,143
−HK$1,302/mo
Today · 4.125%
HK$50,445
baseline
▲ 0.50% · 4.625%
HK$53,104
+HK$2,659/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,890/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,624
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,230
−HK$1,632/mo
Today · 4.125%
HK$54,862
baseline
▲ 0.50% · 4.625%
HK$58,200
+HK$3,338/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,724/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,432
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,972
−HK$1,562/mo
Today · 4.125%
HK$60,534
baseline
▲ 0.50% · 4.625%
HK$63,725
+HK$3,191/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,068/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,228
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,102
−HK$1,903/mo
Today · 4.125%
HK$64,005
baseline
▲ 0.50% · 4.625%
HK$67,900
+HK$3,895/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,010/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,003
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,800
−HK$1,823/mo
Today · 4.125%
HK$70,623
baseline
▲ 0.50% · 4.625%
HK$74,346
+HK$3,723/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,246/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,436
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,845
−HK$2,447/mo
Today · 4.125%
HK$82,292
baseline
▲ 0.50% · 4.625%
HK$87,300
+HK$5,008/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,584/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,147
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,458
−HK$2,344/mo
Today · 4.125%
HK$90,802
baseline
▲ 0.50% · 4.625%
HK$95,588
+HK$4,786/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,604/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,491 · Scale 2, in force from 26 Feb 2026)