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$42,971
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,307
−HK$1,358/mo
Today · 4.125%
HK$45,665
baseline
▲ 0.50% · 4.625%
HK$48,444
+HK$2,779/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,330/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,804
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,086
−HK$1,301/mo
Today · 4.125%
HK$50,387
baseline
▲ 0.50% · 4.625%
HK$53,043
+HK$2,656/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,774/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,565
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,169
−HK$1,629/mo
Today · 4.125%
HK$54,798
baseline
▲ 0.50% · 4.625%
HK$58,132
+HK$3,334/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,596/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,365
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,904
−HK$1,560/mo
Today · 4.125%
HK$60,464
baseline
▲ 0.50% · 4.625%
HK$63,652
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,928/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,159
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,030
−HK$1,901/mo
Today · 4.125%
HK$63,931
baseline
▲ 0.50% · 4.625%
HK$67,821
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,862/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,926
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,721
−HK$1,821/mo
Today · 4.125%
HK$70,542
baseline
▲ 0.50% · 4.625%
HK$74,260
+HK$3,718/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,084/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,347
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,753
−HK$2,444/mo
Today · 4.125%
HK$82,197
baseline
▲ 0.50% · 4.625%
HK$87,199
+HK$5,002/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,394/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,048
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,355
−HK$2,342/mo
Today · 4.125%
HK$90,697
baseline
▲ 0.50% · 4.625%
HK$95,477
+HK$4,780/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,394/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,673 · Scale 2, in force from 26 Feb 2026)