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$42,936
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,271
−HK$1,357/mo
Today · 4.125%
HK$45,628
baseline
▲ 0.50% · 4.625%
HK$48,404
+HK$2,776/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,256/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,765
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,046
−HK$1,300/mo
Today · 4.125%
HK$50,346
baseline
▲ 0.50% · 4.625%
HK$53,000
+HK$2,654/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,692/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,523
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,125
−HK$1,629/mo
Today · 4.125%
HK$54,754
baseline
▲ 0.50% · 4.625%
HK$58,085
+HK$3,331/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,508/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,318
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,856
−HK$1,559/mo
Today · 4.125%
HK$60,415
baseline
▲ 0.50% · 4.625%
HK$63,600
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,830/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,110
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,979
−HK$1,900/mo
Today · 4.125%
HK$63,879
baseline
▲ 0.50% · 4.625%
HK$67,766
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,758/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,871
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,665
−HK$1,819/mo
Today · 4.125%
HK$70,484
baseline
▲ 0.50% · 4.625%
HK$74,200
+HK$3,716/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,968/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,284
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,688
−HK$2,442/mo
Today · 4.125%
HK$82,130
baseline
▲ 0.50% · 4.625%
HK$87,128
+HK$4,998/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,260/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,978
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,283
−HK$2,340/mo
Today · 4.125%
HK$90,623
baseline
▲ 0.50% · 4.625%
HK$95,400
+HK$4,777/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,246/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,097 · Scale 2, in force from 26 Feb 2026)