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$42,988
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,325
−HK$1,359/mo
Today · 4.125%
HK$45,684
baseline
▲ 0.50% · 4.625%
HK$48,464
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,368/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,824
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,107
−HK$1,301/mo
Today · 4.125%
HK$50,408
baseline
▲ 0.50% · 4.625%
HK$53,065
+HK$2,657/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,816/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,586
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,191
−HK$1,630/mo
Today · 4.125%
HK$54,821
baseline
▲ 0.50% · 4.625%
HK$58,157
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,642/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,389
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,928
−HK$1,561/mo
Today · 4.125%
HK$60,489
baseline
▲ 0.50% · 4.625%
HK$63,678
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,978/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,184
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,056
−HK$1,902/mo
Today · 4.125%
HK$63,958
baseline
▲ 0.50% · 4.625%
HK$67,849
+HK$3,891/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,916/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,954
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,749
−HK$1,822/mo
Today · 4.125%
HK$70,571
baseline
▲ 0.50% · 4.625%
HK$74,291
+HK$3,720/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,142/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,379
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,786
−HK$2,445/mo
Today · 4.125%
HK$82,231
baseline
▲ 0.50% · 4.625%
HK$87,235
+HK$5,004/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,462/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,083
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,392
−HK$2,342/mo
Today · 4.125%
HK$90,734
baseline
▲ 0.50% · 4.625%
HK$95,517
+HK$4,783/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,468/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,965 · Scale 2, in force from 26 Feb 2026)