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$42,984
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,321
−HK$1,359/mo
Today · 4.125%
HK$45,680
baseline
▲ 0.50% · 4.625%
HK$48,459
+HK$2,779/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$706,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,819
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,102
−HK$1,301/mo
Today · 4.125%
HK$50,403
baseline
▲ 0.50% · 4.625%
HK$53,060
+HK$2,657/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,806/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,581
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,185
−HK$1,631/mo
Today · 4.125%
HK$54,816
baseline
▲ 0.50% · 4.625%
HK$58,151
+HK$3,335/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$706,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,383
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,922
−HK$1,562/mo
Today · 4.125%
HK$60,484
baseline
▲ 0.50% · 4.625%
HK$63,672
+HK$3,188/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$706,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,178
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,050
−HK$1,902/mo
Today · 4.125%
HK$63,952
baseline
▲ 0.50% · 4.625%
HK$67,843
+HK$3,891/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$706,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,947
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,743
−HK$1,821/mo
Today · 4.125%
HK$70,564
baseline
▲ 0.50% · 4.625%
HK$74,284
+HK$3,720/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,128/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,372
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,778
−HK$2,445/mo
Today · 4.125%
HK$82,223
baseline
▲ 0.50% · 4.625%
HK$87,226
+HK$5,003/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,446/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,075
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,384
−HK$2,341/mo
Today · 4.125%
HK$90,725
baseline
▲ 0.50% · 4.625%
HK$95,508
+HK$4,783/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,450/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,897 · Scale 2, in force from 26 Feb 2026)