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$2,695/mo
▼ 0.25% · 3.875%
HK$44,323
−HK$1,358/mo
Today · 4.125%
HK$45,681
baseline
▲ 0.50% · 4.625%
HK$48,461
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,362/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,821
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,104
−HK$1,301/mo
Today · 4.125%
HK$50,405
baseline
▲ 0.50% · 4.625%
HK$53,062
+HK$2,657/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,810/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,583
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,630/mo
Today · 4.125%
HK$54,817
baseline
▲ 0.50% · 4.625%
HK$58,153
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,634/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,385
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,924
−HK$1,562/mo
Today · 4.125%
HK$60,486
baseline
▲ 0.50% · 4.625%
HK$63,674
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,972/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,180
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,052
−HK$1,902/mo
Today · 4.125%
HK$63,954
baseline
▲ 0.50% · 4.625%
HK$67,845
+HK$3,891/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,908/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,950
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,745
−HK$1,822/mo
Today · 4.125%
HK$70,567
baseline
▲ 0.50% · 4.625%
HK$74,286
+HK$3,719/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,134/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,374
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,781
−HK$2,445/mo
Today · 4.125%
HK$82,226
baseline
▲ 0.50% · 4.625%
HK$87,229
+HK$5,003/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,452/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,078
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,387
−HK$2,342/mo
Today · 4.125%
HK$90,729
baseline
▲ 0.50% · 4.625%
HK$95,511
+HK$4,782/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,458/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,922 · Scale 2, in force from 26 Feb 2026)