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$43,015
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,353
−HK$1,359/mo
Today · 4.125%
HK$45,712
baseline
▲ 0.50% · 4.625%
HK$48,494
+HK$2,782/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,424/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,854
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,137
−HK$1,302/mo
Today · 4.125%
HK$50,439
baseline
▲ 0.50% · 4.625%
HK$53,098
+HK$2,659/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,878/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,618
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,224
−HK$1,631/mo
Today · 4.125%
HK$54,855
baseline
▲ 0.50% · 4.625%
HK$58,193
+HK$3,338/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,710/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,425
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,965
−HK$1,562/mo
Today · 4.125%
HK$60,527
baseline
▲ 0.50% · 4.625%
HK$63,717
+HK$3,190/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,054/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,221
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,094
−HK$1,903/mo
Today · 4.125%
HK$63,997
baseline
▲ 0.50% · 4.625%
HK$67,891
+HK$3,894/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,994/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,995
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,792
−HK$1,823/mo
Today · 4.125%
HK$70,615
baseline
▲ 0.50% · 4.625%
HK$74,337
+HK$3,722/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,230/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,427
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,835
−HK$2,447/mo
Today · 4.125%
HK$82,282
baseline
▲ 0.50% · 4.625%
HK$87,289
+HK$5,007/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,564/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,137
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,447
−HK$2,343/mo
Today · 4.125%
HK$90,790
baseline
▲ 0.50% · 4.625%
HK$95,576
+HK$4,786/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,580/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,404 · Scale 2, in force from 26 Feb 2026)