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$42,986
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,323
−HK$1,359/mo
Today · 4.125%
HK$45,682
baseline
▲ 0.50% · 4.625%
HK$48,462
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,364/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,822
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,104
−HK$1,302/mo
Today · 4.125%
HK$50,406
baseline
▲ 0.50% · 4.625%
HK$53,062
+HK$2,656/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,812/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,584
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,188
−HK$1,630/mo
Today · 4.125%
HK$54,818
baseline
▲ 0.50% · 4.625%
HK$58,154
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,636/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,386
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,925
−HK$1,562/mo
Today · 4.125%
HK$60,487
baseline
▲ 0.50% · 4.625%
HK$63,675
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,974/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,181
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,053
−HK$1,902/mo
Today · 4.125%
HK$63,955
baseline
▲ 0.50% · 4.625%
HK$67,846
+HK$3,891/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,910/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,951
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,746
−HK$1,822/mo
Today · 4.125%
HK$70,568
baseline
▲ 0.50% · 4.625%
HK$74,287
+HK$3,719/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,136/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,375
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,782
−HK$2,446/mo
Today · 4.125%
HK$82,228
baseline
▲ 0.50% · 4.625%
HK$87,231
+HK$5,003/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,456/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,079
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,388
−HK$2,342/mo
Today · 4.125%
HK$90,730
baseline
▲ 0.50% · 4.625%
HK$95,512
+HK$4,782/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,460/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,933 · Scale 2, in force from 26 Feb 2026)