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$42,932
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,267
−HK$1,357/mo
Today · 4.125%
HK$45,624
baseline
▲ 0.50% · 4.625%
HK$48,400
+HK$2,776/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,248/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,761
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,042
−HK$1,299/mo
Today · 4.125%
HK$50,341
baseline
▲ 0.50% · 4.625%
HK$52,995
+HK$2,654/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,682/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,518
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,120
−HK$1,628/mo
Today · 4.125%
HK$54,748
baseline
▲ 0.50% · 4.625%
HK$58,080
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,496/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,313
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,850
−HK$1,560/mo
Today · 4.125%
HK$60,410
baseline
▲ 0.50% · 4.625%
HK$63,594
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,820/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,104
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,974
−HK$1,899/mo
Today · 4.125%
HK$63,873
baseline
▲ 0.50% · 4.625%
HK$67,760
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,746/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,865
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,659
−HK$1,819/mo
Today · 4.125%
HK$70,478
baseline
▲ 0.50% · 4.625%
HK$74,193
+HK$3,715/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,956/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,277
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,681
−HK$2,442/mo
Today · 4.125%
HK$82,123
baseline
▲ 0.50% · 4.625%
HK$87,120
+HK$4,997/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,246/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,970
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,275
−HK$2,339/mo
Today · 4.125%
HK$90,614
baseline
▲ 0.50% · 4.625%
HK$95,391
+HK$4,777/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,228/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,032 · Scale 2, in force from 26 Feb 2026)