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$42,949
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,285
−HK$1,358/mo
Today · 4.125%
HK$45,643
baseline
▲ 0.50% · 4.625%
HK$48,420
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,286/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,781
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,062
−HK$1,300/mo
Today · 4.125%
HK$50,362
baseline
▲ 0.50% · 4.625%
HK$53,017
+HK$2,655/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,724/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,539
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,142
−HK$1,629/mo
Today · 4.125%
HK$54,771
baseline
▲ 0.50% · 4.625%
HK$58,104
+HK$3,333/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,542/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,337
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,875
−HK$1,560/mo
Today · 4.125%
HK$60,435
baseline
▲ 0.50% · 4.625%
HK$63,620
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,870/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,129
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,999
−HK$1,901/mo
Today · 4.125%
HK$63,900
baseline
▲ 0.50% · 4.625%
HK$67,788
+HK$3,888/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,800/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,893
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,687
−HK$1,820/mo
Today · 4.125%
HK$70,507
baseline
▲ 0.50% · 4.625%
HK$74,224
+HK$3,717/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$141,014/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,309
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,714
−HK$2,443/mo
Today · 4.125%
HK$82,157
baseline
▲ 0.50% · 4.625%
HK$87,156
+HK$4,999/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,314/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,005
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,312
−HK$2,340/mo
Today · 4.125%
HK$90,652
baseline
▲ 0.50% · 4.625%
HK$95,430
+HK$4,778/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,304/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,324 · Scale 2, in force from 26 Feb 2026)