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$43,004
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,341
−HK$1,359/mo
Today · 4.125%
HK$45,700
baseline
▲ 0.50% · 4.625%
HK$48,481
+HK$2,781/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,400/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,841
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,124
−HK$1,302/mo
Today · 4.125%
HK$50,426
baseline
▲ 0.50% · 4.625%
HK$53,084
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,852/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,604
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,209
−HK$1,631/mo
Today · 4.125%
HK$54,840
baseline
▲ 0.50% · 4.625%
HK$58,177
+HK$3,337/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$109,680/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,409
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,949
−HK$1,562/mo
Today · 4.125%
HK$60,511
baseline
▲ 0.50% · 4.625%
HK$63,700
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$121,022/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,205
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,078
−HK$1,902/mo
Today · 4.125%
HK$63,980
baseline
▲ 0.50% · 4.625%
HK$67,873
+HK$3,893/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,960/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,977
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,774
−HK$1,822/mo
Today · 4.125%
HK$70,596
baseline
▲ 0.50% · 4.625%
HK$74,317
+HK$3,721/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,192/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,406
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,814
−HK$2,446/mo
Today · 4.125%
HK$82,260
baseline
▲ 0.50% · 4.625%
HK$87,266
+HK$5,006/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,520/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,114
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,423
−HK$2,343/mo
Today · 4.125%
HK$90,766
baseline
▲ 0.50% · 4.625%
HK$95,551
+HK$4,785/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,532/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,215 · Scale 2, in force from 26 Feb 2026)