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$42,955
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,291
−HK$1,358/mo
Today · 4.125%
HK$45,649
baseline
▲ 0.50% · 4.625%
HK$48,426
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,298/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,787
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,069
−HK$1,300/mo
Today · 4.125%
HK$50,369
baseline
▲ 0.50% · 4.625%
HK$53,024
+HK$2,655/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,738/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,546
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,149
−HK$1,629/mo
Today · 4.125%
HK$54,778
baseline
▲ 0.50% · 4.625%
HK$58,111
+HK$3,333/mo
Deposit HK$7.54M · loan HK$11.30M · min. income ≈ HK$109,556/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,344
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,882
−HK$1,560/mo
Today · 4.125%
HK$60,442
baseline
▲ 0.50% · 4.625%
HK$63,628
+HK$3,186/mo
Deposit HK$7.54M · loan HK$11.30M · min. income ≈ HK$120,884/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,137
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,007
−HK$1,901/mo
Today · 4.125%
HK$63,908
baseline
▲ 0.50% · 4.625%
HK$67,797
+HK$3,889/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,816/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,902
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,696
−HK$1,820/mo
Today · 4.125%
HK$70,516
baseline
▲ 0.50% · 4.625%
HK$74,233
+HK$3,717/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,032/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,319
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,724
−HK$2,443/mo
Today · 4.125%
HK$82,167
baseline
▲ 0.50% · 4.625%
HK$87,167
+HK$5,000/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,334/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,016
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,323
−HK$2,341/mo
Today · 4.125%
HK$90,664
baseline
▲ 0.50% · 4.625%
HK$95,443
+HK$4,779/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,328/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,416 · Scale 2, in force from 26 Feb 2026)