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$42,973
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,310
−HK$1,358/mo
Today · 4.125%
HK$45,668
baseline
▲ 0.50% · 4.625%
HK$48,447
+HK$2,779/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,336/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,807
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,089
−HK$1,301/mo
Today · 4.125%
HK$50,390
baseline
▲ 0.50% · 4.625%
HK$53,046
+HK$2,656/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,780/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,568
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,172
−HK$1,629/mo
Today · 4.125%
HK$54,801
baseline
▲ 0.50% · 4.625%
HK$58,136
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,602/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,369
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,907
−HK$1,561/mo
Today · 4.125%
HK$60,468
baseline
▲ 0.50% · 4.625%
HK$63,655
+HK$3,187/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,936/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,162
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,034
−HK$1,901/mo
Today · 4.125%
HK$63,935
baseline
▲ 0.50% · 4.625%
HK$67,825
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,870/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,930
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,725
−HK$1,821/mo
Today · 4.125%
HK$70,546
baseline
▲ 0.50% · 4.625%
HK$74,265
+HK$3,719/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,092/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,352
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,758
−HK$2,444/mo
Today · 4.125%
HK$82,202
baseline
▲ 0.50% · 4.625%
HK$87,204
+HK$5,002/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,404/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,053
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,361
−HK$2,341/mo
Today · 4.125%
HK$90,702
baseline
▲ 0.50% · 4.625%
HK$95,483
+HK$4,781/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,404/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,716 · Scale 2, in force from 26 Feb 2026)