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$42,938
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,273
−HK$1,357/mo
Today · 4.125%
HK$45,630
baseline
▲ 0.50% · 4.625%
HK$48,407
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,260/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,768
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,049
−HK$1,299/mo
Today · 4.125%
HK$50,348
baseline
▲ 0.50% · 4.625%
HK$53,002
+HK$2,654/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,696/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,525
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,128
−HK$1,628/mo
Today · 4.125%
HK$54,756
baseline
▲ 0.50% · 4.625%
HK$58,088
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,512/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,321
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,859
−HK$1,559/mo
Today · 4.125%
HK$60,418
baseline
▲ 0.50% · 4.625%
HK$63,603
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,836/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,113
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,983
−HK$1,899/mo
Today · 4.125%
HK$63,882
baseline
▲ 0.50% · 4.625%
HK$67,769
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,764/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,875
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,668
−HK$1,820/mo
Today · 4.125%
HK$70,488
baseline
▲ 0.50% · 4.625%
HK$74,203
+HK$3,715/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,976/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,288
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,692
−HK$2,442/mo
Today · 4.125%
HK$82,134
baseline
▲ 0.50% · 4.625%
HK$87,132
+HK$4,998/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,268/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,982
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,288
−HK$2,339/mo
Today · 4.125%
HK$90,627
baseline
▲ 0.50% · 4.625%
HK$95,404
+HK$4,777/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,254/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,132 · Scale 2, in force from 26 Feb 2026)