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$42,946
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,282
−HK$1,357/mo
Today · 4.125%
HK$45,639
baseline
▲ 0.50% · 4.625%
HK$48,416
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,278/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,777
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,058
−HK$1,300/mo
Today · 4.125%
HK$50,358
baseline
▲ 0.50% · 4.625%
HK$53,013
+HK$2,655/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,716/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,535
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,138
−HK$1,629/mo
Today · 4.125%
HK$54,767
baseline
▲ 0.50% · 4.625%
HK$58,099
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,534/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,332
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,870
−HK$1,560/mo
Today · 4.125%
HK$60,430
baseline
▲ 0.50% · 4.625%
HK$63,615
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,860/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,124
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,995
−HK$1,900/mo
Today · 4.125%
HK$63,895
baseline
▲ 0.50% · 4.625%
HK$67,783
+HK$3,888/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,790/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,888
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,682
−HK$1,820/mo
Today · 4.125%
HK$70,502
baseline
▲ 0.50% · 4.625%
HK$74,218
+HK$3,716/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$141,004/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,303
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,707
−HK$2,443/mo
Today · 4.125%
HK$82,150
baseline
▲ 0.50% · 4.625%
HK$87,149
+HK$4,999/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,300/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,999
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,305
−HK$2,340/mo
Today · 4.125%
HK$90,645
baseline
▲ 0.50% · 4.625%
HK$95,423
+HK$4,778/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,290/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,270 · Scale 2, in force from 26 Feb 2026)