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$42,966
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,302
−HK$1,358/mo
Today · 4.125%
HK$45,660
baseline
▲ 0.50% · 4.625%
HK$48,439
+HK$2,779/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,320/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,799
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,081
−HK$1,301/mo
Today · 4.125%
HK$50,382
baseline
▲ 0.50% · 4.625%
HK$53,037
+HK$2,655/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,764/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,559
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,163
−HK$1,629/mo
Today · 4.125%
HK$54,792
baseline
▲ 0.50% · 4.625%
HK$58,126
+HK$3,334/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,584/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,359
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,897
−HK$1,561/mo
Today · 4.125%
HK$60,458
baseline
▲ 0.50% · 4.625%
HK$63,645
+HK$3,187/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,916/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,152
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,023
−HK$1,901/mo
Today · 4.125%
HK$63,924
baseline
▲ 0.50% · 4.625%
HK$67,814
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,848/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,919
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,713
−HK$1,821/mo
Today · 4.125%
HK$70,534
baseline
▲ 0.50% · 4.625%
HK$74,252
+HK$3,718/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,068/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,339
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,744
−HK$2,444/mo
Today · 4.125%
HK$82,188
baseline
▲ 0.50% · 4.625%
HK$87,189
+HK$5,001/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,376/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,038
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,346
−HK$2,341/mo
Today · 4.125%
HK$90,687
baseline
▲ 0.50% · 4.625%
HK$95,467
+HK$4,780/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,374/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,596 · Scale 2, in force from 26 Feb 2026)