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$42,939
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,275
−HK$1,357/mo
Today · 4.125%
HK$45,632
baseline
▲ 0.50% · 4.625%
HK$48,408
+HK$2,776/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,264/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,769
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,050
−HK$1,300/mo
Today · 4.125%
HK$50,350
baseline
▲ 0.50% · 4.625%
HK$53,004
+HK$2,654/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,700/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,527
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,130
−HK$1,628/mo
Today · 4.125%
HK$54,758
baseline
▲ 0.50% · 4.625%
HK$58,090
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,516/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,323
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,860
−HK$1,560/mo
Today · 4.125%
HK$60,420
baseline
▲ 0.50% · 4.625%
HK$63,605
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,840/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,115
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,984
−HK$1,900/mo
Today · 4.125%
HK$63,884
baseline
▲ 0.50% · 4.625%
HK$67,772
+HK$3,888/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,768/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,877
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,670
−HK$1,820/mo
Today · 4.125%
HK$70,490
baseline
▲ 0.50% · 4.625%
HK$74,206
+HK$3,716/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,980/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,290
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,694
−HK$2,443/mo
Today · 4.125%
HK$82,137
baseline
▲ 0.50% · 4.625%
HK$87,135
+HK$4,998/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,274/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,985
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,291
−HK$2,339/mo
Today · 4.125%
HK$90,630
baseline
▲ 0.50% · 4.625%
HK$95,407
+HK$4,777/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,260/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,154 · Scale 2, in force from 26 Feb 2026)