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$42,951
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,287
−HK$1,357/mo
Today · 4.125%
HK$45,644
baseline
▲ 0.50% · 4.625%
HK$48,422
+HK$2,778/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,288/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,782
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,064
−HK$1,300/mo
Today · 4.125%
HK$50,364
baseline
▲ 0.50% · 4.625%
HK$53,019
+HK$2,655/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,728/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,541
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,144
−HK$1,629/mo
Today · 4.125%
HK$54,773
baseline
▲ 0.50% · 4.625%
HK$58,106
+HK$3,333/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,546/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,339
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,877
−HK$1,560/mo
Today · 4.125%
HK$60,437
baseline
▲ 0.50% · 4.625%
HK$63,622
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,874/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,131
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,002
−HK$1,900/mo
Today · 4.125%
HK$63,902
baseline
▲ 0.50% · 4.625%
HK$67,790
+HK$3,888/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,804/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,895
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,689
−HK$1,820/mo
Today · 4.125%
HK$70,509
baseline
▲ 0.50% · 4.625%
HK$74,226
+HK$3,717/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,018/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,312
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,716
−HK$2,444/mo
Today · 4.125%
HK$82,160
baseline
▲ 0.50% · 4.625%
HK$87,159
+HK$4,999/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,320/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,008
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,315
−HK$2,340/mo
Today · 4.125%
HK$90,655
baseline
▲ 0.50% · 4.625%
HK$95,434
+HK$4,779/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,310/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,349 · Scale 2, in force from 26 Feb 2026)