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$42,976
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,313
−HK$1,358/mo
Today · 4.125%
HK$45,671
baseline
▲ 0.50% · 4.625%
HK$48,450
+HK$2,779/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,342/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,811
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,093
−HK$1,301/mo
Today · 4.125%
HK$50,394
baseline
▲ 0.50% · 4.625%
HK$53,050
+HK$2,656/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,788/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,571
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,176
−HK$1,629/mo
Today · 4.125%
HK$54,805
baseline
▲ 0.50% · 4.625%
HK$58,140
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,610/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,373
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,911
−HK$1,561/mo
Today · 4.125%
HK$60,472
baseline
▲ 0.50% · 4.625%
HK$63,660
+HK$3,188/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,944/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,167
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,038
−HK$1,902/mo
Today · 4.125%
HK$63,940
baseline
▲ 0.50% · 4.625%
HK$67,830
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,880/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,935
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,730
−HK$1,821/mo
Today · 4.125%
HK$70,551
baseline
▲ 0.50% · 4.625%
HK$74,270
+HK$3,719/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,102/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,357
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,763
−HK$2,445/mo
Today · 4.125%
HK$82,208
baseline
▲ 0.50% · 4.625%
HK$87,210
+HK$5,002/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,416/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,059
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,367
−HK$2,342/mo
Today · 4.125%
HK$90,709
baseline
▲ 0.50% · 4.625%
HK$95,490
+HK$4,781/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,418/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,766 · Scale 2, in force from 26 Feb 2026)