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$42,985
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,322
−HK$1,358/mo
Today · 4.125%
HK$45,680
baseline
▲ 0.50% · 4.625%
HK$48,460
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,360/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,820
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,103
−HK$1,301/mo
Today · 4.125%
HK$50,404
baseline
▲ 0.50% · 4.625%
HK$53,060
+HK$2,656/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,808/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,582
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,186
−HK$1,630/mo
Today · 4.125%
HK$54,816
baseline
▲ 0.50% · 4.625%
HK$58,152
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,632/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,384
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,923
−HK$1,561/mo
Today · 4.125%
HK$60,484
baseline
▲ 0.50% · 4.625%
HK$63,673
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,968/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,179
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,050
−HK$1,902/mo
Today · 4.125%
HK$63,952
baseline
▲ 0.50% · 4.625%
HK$67,844
+HK$3,892/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,904/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,948
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,744
−HK$1,821/mo
Today · 4.125%
HK$70,565
baseline
▲ 0.50% · 4.625%
HK$74,285
+HK$3,720/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,130/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,372
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,779
−HK$2,445/mo
Today · 4.125%
HK$82,224
baseline
▲ 0.50% · 4.625%
HK$87,228
+HK$5,004/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,448/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,076
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,385
−HK$2,341/mo
Today · 4.125%
HK$90,726
baseline
▲ 0.50% · 4.625%
HK$95,509
+HK$4,783/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,452/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,906 · Scale 2, in force from 26 Feb 2026)