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$42,935
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,270
−HK$1,357/mo
Today · 4.125%
HK$45,627
baseline
▲ 0.50% · 4.625%
HK$48,403
+HK$2,776/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,254/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,764
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,045
−HK$1,300/mo
Today · 4.125%
HK$50,345
baseline
▲ 0.50% · 4.625%
HK$52,999
+HK$2,654/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,690/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,522
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,124
−HK$1,628/mo
Today · 4.125%
HK$54,752
baseline
▲ 0.50% · 4.625%
HK$58,084
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,504/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,317
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,854
−HK$1,560/mo
Today · 4.125%
HK$60,414
baseline
▲ 0.50% · 4.625%
HK$63,598
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,828/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,108
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,978
−HK$1,900/mo
Today · 4.125%
HK$63,878
baseline
▲ 0.50% · 4.625%
HK$67,765
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,756/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,870
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,663
−HK$1,820/mo
Today · 4.125%
HK$70,483
baseline
▲ 0.50% · 4.625%
HK$74,198
+HK$3,715/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,966/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,282
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,686
−HK$2,443/mo
Today · 4.125%
HK$82,129
baseline
▲ 0.50% · 4.625%
HK$87,126
+HK$4,997/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,258/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,976
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,282
−HK$2,339/mo
Today · 4.125%
HK$90,621
baseline
▲ 0.50% · 4.625%
HK$95,398
+HK$4,777/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,242/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,083 · Scale 2, in force from 26 Feb 2026)