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$43,010
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,347
−HK$1,360/mo
Today · 4.125%
HK$45,707
baseline
▲ 0.50% · 4.625%
HK$48,488
+HK$2,781/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,414/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,848
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,131
−HK$1,302/mo
Today · 4.125%
HK$50,433
baseline
▲ 0.50% · 4.625%
HK$53,091
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,866/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,612
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,217
−HK$1,631/mo
Today · 4.125%
HK$54,848
baseline
▲ 0.50% · 4.625%
HK$58,185
+HK$3,337/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$109,696/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,417
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,957
−HK$1,562/mo
Today · 4.125%
HK$60,519
baseline
▲ 0.50% · 4.625%
HK$63,709
+HK$3,190/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$121,038/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,213
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,086
−HK$1,903/mo
Today · 4.125%
HK$63,989
baseline
▲ 0.50% · 4.625%
HK$67,883
+HK$3,894/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,978/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,987
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,783
−HK$1,823/mo
Today · 4.125%
HK$70,606
baseline
▲ 0.50% · 4.625%
HK$74,328
+HK$3,722/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,212/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,417
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,825
−HK$2,447/mo
Today · 4.125%
HK$82,272
baseline
▲ 0.50% · 4.625%
HK$87,278
+HK$5,006/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,544/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,126
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,436
−HK$2,343/mo
Today · 4.125%
HK$90,779
baseline
▲ 0.50% · 4.625%
HK$95,564
+HK$4,785/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,558/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,316 · Scale 2, in force from 26 Feb 2026)