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$42,953
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,289
−HK$1,358/mo
Today · 4.125%
HK$45,647
baseline
▲ 0.50% · 4.625%
HK$48,424
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,294/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,785
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,066
−HK$1,301/mo
Today · 4.125%
HK$50,367
baseline
▲ 0.50% · 4.625%
HK$53,021
+HK$2,654/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,734/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,544
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,147
−HK$1,629/mo
Today · 4.125%
HK$54,776
baseline
▲ 0.50% · 4.625%
HK$58,109
+HK$3,333/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,552/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,342
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,880
−HK$1,560/mo
Today · 4.125%
HK$60,440
baseline
▲ 0.50% · 4.625%
HK$63,626
+HK$3,186/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,880/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,134
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,005
−HK$1,900/mo
Today · 4.125%
HK$63,905
baseline
▲ 0.50% · 4.625%
HK$67,794
+HK$3,889/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,810/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,899
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,693
−HK$1,820/mo
Today · 4.125%
HK$70,513
baseline
▲ 0.50% · 4.625%
HK$74,230
+HK$3,717/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,026/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,316
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,720
−HK$2,444/mo
Today · 4.125%
HK$82,164
baseline
▲ 0.50% · 4.625%
HK$87,163
+HK$4,999/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,328/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,013
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,320
−HK$2,340/mo
Today · 4.125%
HK$90,660
baseline
▲ 0.50% · 4.625%
HK$95,439
+HK$4,779/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,320/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,386 · Scale 2, in force from 26 Feb 2026)