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$42,984
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,321
−HK$1,358/mo
Today · 4.125%
HK$45,679
baseline
▲ 0.50% · 4.625%
HK$48,459
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,358/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,819
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,102
−HK$1,301/mo
Today · 4.125%
HK$50,403
baseline
▲ 0.50% · 4.625%
HK$53,059
+HK$2,656/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,806/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,581
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,185
−HK$1,630/mo
Today · 4.125%
HK$54,815
baseline
▲ 0.50% · 4.625%
HK$58,150
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,630/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,383
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,922
−HK$1,561/mo
Today · 4.125%
HK$60,483
baseline
▲ 0.50% · 4.625%
HK$63,671
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,966/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,177
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,902/mo
Today · 4.125%
HK$63,951
baseline
▲ 0.50% · 4.625%
HK$67,842
+HK$3,891/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,902/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,947
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,742
−HK$1,822/mo
Today · 4.125%
HK$70,564
baseline
▲ 0.50% · 4.625%
HK$74,283
+HK$3,719/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,128/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,371
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,778
−HK$2,445/mo
Today · 4.125%
HK$82,223
baseline
▲ 0.50% · 4.625%
HK$87,226
+HK$5,003/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,446/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,074
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,383
−HK$2,342/mo
Today · 4.125%
HK$90,725
baseline
▲ 0.50% · 4.625%
HK$95,507
+HK$4,782/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,450/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,891 · Scale 2, in force from 26 Feb 2026)