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$42,937
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,272
−HK$1,357/mo
Today · 4.125%
HK$45,629
baseline
▲ 0.50% · 4.625%
HK$48,406
+HK$2,777/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,258/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,767
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,048
−HK$1,299/mo
Today · 4.125%
HK$50,347
baseline
▲ 0.50% · 4.625%
HK$53,001
+HK$2,654/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,694/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,524
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,127
−HK$1,628/mo
Today · 4.125%
HK$54,755
baseline
▲ 0.50% · 4.625%
HK$58,087
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,510/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,320
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,857
−HK$1,560/mo
Today · 4.125%
HK$60,417
baseline
▲ 0.50% · 4.625%
HK$63,601
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,834/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,111
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,981
−HK$1,900/mo
Today · 4.125%
HK$63,881
baseline
▲ 0.50% · 4.625%
HK$67,768
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,762/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,873
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,667
−HK$1,819/mo
Today · 4.125%
HK$70,486
baseline
▲ 0.50% · 4.625%
HK$74,202
+HK$3,716/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,972/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,286
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,690
−HK$2,442/mo
Today · 4.125%
HK$82,132
baseline
▲ 0.50% · 4.625%
HK$87,130
+HK$4,998/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,264/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,980
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,286
−HK$2,339/mo
Today · 4.125%
HK$90,625
baseline
▲ 0.50% · 4.625%
HK$95,402
+HK$4,777/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,250/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,115 · Scale 2, in force from 26 Feb 2026)