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$42,954
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,290
−HK$1,358/mo
Today · 4.125%
HK$45,648
baseline
▲ 0.50% · 4.625%
HK$48,425
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,296/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,786
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,067
−HK$1,301/mo
Today · 4.125%
HK$50,368
baseline
▲ 0.50% · 4.625%
HK$53,023
+HK$2,655/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,736/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,545
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,148
−HK$1,629/mo
Today · 4.125%
HK$54,777
baseline
▲ 0.50% · 4.625%
HK$58,110
+HK$3,333/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,554/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,343
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,881
−HK$1,560/mo
Today · 4.125%
HK$60,441
baseline
▲ 0.50% · 4.625%
HK$63,627
+HK$3,186/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,882/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,136
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,006
−HK$1,901/mo
Today · 4.125%
HK$63,907
baseline
▲ 0.50% · 4.625%
HK$67,795
+HK$3,888/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,814/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,900
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,694
−HK$1,821/mo
Today · 4.125%
HK$70,515
baseline
▲ 0.50% · 4.625%
HK$74,232
+HK$3,717/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,030/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,317
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,722
−HK$2,444/mo
Today · 4.125%
HK$82,166
baseline
▲ 0.50% · 4.625%
HK$87,165
+HK$4,999/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,332/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,015
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,321
−HK$2,341/mo
Today · 4.125%
HK$90,662
baseline
▲ 0.50% · 4.625%
HK$95,441
+HK$4,779/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,324/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,401 · Scale 2, in force from 26 Feb 2026)