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$42,960
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,296
−HK$1,357/mo
Today · 4.125%
HK$45,653
baseline
▲ 0.50% · 4.625%
HK$48,431
+HK$2,778/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,306/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,792
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,074
−HK$1,300/mo
Today · 4.125%
HK$50,374
baseline
▲ 0.50% · 4.625%
HK$53,029
+HK$2,655/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,748/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,551
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,155
−HK$1,629/mo
Today · 4.125%
HK$54,784
baseline
▲ 0.50% · 4.625%
HK$58,118
+HK$3,334/mo
Deposit HK$7.54M · loan HK$11.30M · min. income ≈ HK$109,568/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,350
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,889
−HK$1,560/mo
Today · 4.125%
HK$60,449
baseline
▲ 0.50% · 4.625%
HK$63,635
+HK$3,186/mo
Deposit HK$7.54M · loan HK$11.30M · min. income ≈ HK$120,898/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,143
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,014
−HK$1,901/mo
Today · 4.125%
HK$63,915
baseline
▲ 0.50% · 4.625%
HK$67,804
+HK$3,889/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,830/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,909
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,703
−HK$1,821/mo
Today · 4.125%
HK$70,524
baseline
▲ 0.50% · 4.625%
HK$74,241
+HK$3,717/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,048/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,327
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,732
−HK$2,444/mo
Today · 4.125%
HK$82,176
baseline
▲ 0.50% · 4.625%
HK$87,176
+HK$5,000/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,352/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,026
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,333
−HK$2,340/mo
Today · 4.125%
HK$90,673
baseline
▲ 0.50% · 4.625%
HK$95,453
+HK$4,780/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,346/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,492 · Scale 2, in force from 26 Feb 2026)