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$42,977
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,314
−HK$1,358/mo
Today · 4.125%
HK$45,672
baseline
▲ 0.50% · 4.625%
HK$48,451
+HK$2,779/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,344/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,811
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,094
−HK$1,300/mo
Today · 4.125%
HK$50,394
baseline
▲ 0.50% · 4.625%
HK$53,051
+HK$2,657/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,788/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,572
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,176
−HK$1,630/mo
Today · 4.125%
HK$54,806
baseline
▲ 0.50% · 4.625%
HK$58,141
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,612/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,374
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,912
−HK$1,561/mo
Today · 4.125%
HK$60,473
baseline
▲ 0.50% · 4.625%
HK$63,661
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,946/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,168
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,039
−HK$1,902/mo
Today · 4.125%
HK$63,941
baseline
▲ 0.50% · 4.625%
HK$67,831
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,882/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,936
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,731
−HK$1,821/mo
Today · 4.125%
HK$70,552
baseline
▲ 0.50% · 4.625%
HK$74,271
+HK$3,719/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,104/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,358
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,765
−HK$2,444/mo
Today · 4.125%
HK$82,209
baseline
▲ 0.50% · 4.625%
HK$87,212
+HK$5,003/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,418/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,060
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,369
−HK$2,341/mo
Today · 4.125%
HK$90,710
baseline
▲ 0.50% · 4.625%
HK$95,492
+HK$4,782/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,420/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,778 · Scale 2, in force from 26 Feb 2026)