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$42,989
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,326
−HK$1,359/mo
Today · 4.125%
HK$45,685
baseline
▲ 0.50% · 4.625%
HK$48,465
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,370/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,825
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,108
−HK$1,301/mo
Today · 4.125%
HK$50,409
baseline
▲ 0.50% · 4.625%
HK$53,066
+HK$2,657/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,818/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,587
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,191
−HK$1,631/mo
Today · 4.125%
HK$54,822
baseline
▲ 0.50% · 4.625%
HK$58,158
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,644/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,390
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,929
−HK$1,561/mo
Today · 4.125%
HK$60,490
baseline
▲ 0.50% · 4.625%
HK$63,679
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,980/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,185
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,057
−HK$1,902/mo
Today · 4.125%
HK$63,959
baseline
▲ 0.50% · 4.625%
HK$67,850
+HK$3,891/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,918/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,955
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,751
−HK$1,821/mo
Today · 4.125%
HK$70,572
baseline
▲ 0.50% · 4.625%
HK$74,292
+HK$3,720/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,144/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,380
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,787
−HK$2,446/mo
Today · 4.125%
HK$82,233
baseline
▲ 0.50% · 4.625%
HK$87,236
+HK$5,003/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,466/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,085
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,394
−HK$2,342/mo
Today · 4.125%
HK$90,736
baseline
▲ 0.50% · 4.625%
HK$95,518
+HK$4,782/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,472/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,977 · Scale 2, in force from 26 Feb 2026)