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$42,947
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,282
−HK$1,358/mo
Today · 4.125%
HK$45,640
baseline
▲ 0.50% · 4.625%
HK$48,417
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,280/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,778
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,059
−HK$1,300/mo
Today · 4.125%
HK$50,359
baseline
▲ 0.50% · 4.625%
HK$53,013
+HK$2,654/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,718/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,536
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,139
−HK$1,629/mo
Today · 4.125%
HK$54,768
baseline
▲ 0.50% · 4.625%
HK$58,100
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,536/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,333
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,871
−HK$1,560/mo
Today · 4.125%
HK$60,431
baseline
▲ 0.50% · 4.625%
HK$63,616
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,862/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,125
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,995
−HK$1,901/mo
Today · 4.125%
HK$63,896
baseline
▲ 0.50% · 4.625%
HK$67,784
+HK$3,888/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,792/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,889
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,683
−HK$1,820/mo
Today · 4.125%
HK$70,503
baseline
▲ 0.50% · 4.625%
HK$74,219
+HK$3,716/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$141,006/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,304
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,708
−HK$2,444/mo
Today · 4.125%
HK$82,152
baseline
▲ 0.50% · 4.625%
HK$87,150
+HK$4,998/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,304/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,000
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,306
−HK$2,340/mo
Today · 4.125%
HK$90,646
baseline
▲ 0.50% · 4.625%
HK$95,424
+HK$4,778/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,292/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,280 · Scale 2, in force from 26 Feb 2026)