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$42,963
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,299
−HK$1,358/mo
Today · 4.125%
HK$45,657
baseline
▲ 0.50% · 4.625%
HK$48,435
+HK$2,778/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,314/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,795
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,077
−HK$1,301/mo
Today · 4.125%
HK$50,378
baseline
▲ 0.50% · 4.625%
HK$53,033
+HK$2,655/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,756/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,555
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,159
−HK$1,629/mo
Today · 4.125%
HK$54,788
baseline
▲ 0.50% · 4.625%
HK$58,122
+HK$3,334/mo
Deposit HK$7.54M · loan HK$11.30M · min. income ≈ HK$109,576/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,355
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,893
−HK$1,560/mo
Today · 4.125%
HK$60,453
baseline
▲ 0.50% · 4.625%
HK$63,640
+HK$3,187/mo
Deposit HK$7.54M · loan HK$11.30M · min. income ≈ HK$120,906/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,148
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,019
−HK$1,900/mo
Today · 4.125%
HK$63,919
baseline
▲ 0.50% · 4.625%
HK$67,809
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,838/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,914
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,708
−HK$1,821/mo
Today · 4.125%
HK$70,529
baseline
▲ 0.50% · 4.625%
HK$74,246
+HK$3,717/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,058/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,333
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,738
−HK$2,444/mo
Today · 4.125%
HK$82,182
baseline
▲ 0.50% · 4.625%
HK$87,183
+HK$5,001/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,364/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,032
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,339
−HK$2,341/mo
Today · 4.125%
HK$90,680
baseline
▲ 0.50% · 4.625%
HK$95,460
+HK$4,780/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,360/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,543 · Scale 2, in force from 26 Feb 2026)