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$42,940
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,276
−HK$1,357/mo
Today · 4.125%
HK$45,633
baseline
▲ 0.50% · 4.625%
HK$48,409
+HK$2,776/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,266/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,770
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,052
−HK$1,299/mo
Today · 4.125%
HK$50,351
baseline
▲ 0.50% · 4.625%
HK$53,005
+HK$2,654/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,702/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,528
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,131
−HK$1,628/mo
Today · 4.125%
HK$54,759
baseline
▲ 0.50% · 4.625%
HK$58,091
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,518/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,324
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,862
−HK$1,560/mo
Today · 4.125%
HK$60,422
baseline
▲ 0.50% · 4.625%
HK$63,606
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,844/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,116
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,986
−HK$1,900/mo
Today · 4.125%
HK$63,886
baseline
▲ 0.50% · 4.625%
HK$67,773
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,772/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,879
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,672
−HK$1,820/mo
Today · 4.125%
HK$70,492
baseline
▲ 0.50% · 4.625%
HK$74,208
+HK$3,716/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,984/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,292
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,696
−HK$2,443/mo
Today · 4.125%
HK$82,139
baseline
▲ 0.50% · 4.625%
HK$87,137
+HK$4,998/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,278/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,987
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,293
−HK$2,339/mo
Today · 4.125%
HK$90,632
baseline
▲ 0.50% · 4.625%
HK$95,410
+HK$4,778/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,264/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,172 · Scale 2, in force from 26 Feb 2026)