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$42,934
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,269
−HK$1,357/mo
Today · 4.125%
HK$45,626
baseline
▲ 0.50% · 4.625%
HK$48,402
+HK$2,776/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,252/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,763
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,044
−HK$1,300/mo
Today · 4.125%
HK$50,344
baseline
▲ 0.50% · 4.625%
HK$52,998
+HK$2,654/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,688/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,520
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,123
−HK$1,628/mo
Today · 4.125%
HK$54,751
baseline
▲ 0.50% · 4.625%
HK$58,083
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,502/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,316
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,853
−HK$1,560/mo
Today · 4.125%
HK$60,413
baseline
▲ 0.50% · 4.625%
HK$63,597
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,826/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,107
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,977
−HK$1,899/mo
Today · 4.125%
HK$63,876
baseline
▲ 0.50% · 4.625%
HK$67,763
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,752/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,869
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,662
−HK$1,819/mo
Today · 4.125%
HK$70,481
baseline
▲ 0.50% · 4.625%
HK$74,197
+HK$3,716/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,962/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$706,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,281
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,685
−HK$2,442/mo
Today · 4.125%
HK$82,127
baseline
▲ 0.50% · 4.625%
HK$87,124
+HK$4,997/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,254/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,974
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,280
−HK$2,339/mo
Today · 4.125%
HK$90,619
baseline
▲ 0.50% · 4.625%
HK$95,396
+HK$4,777/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,238/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,068 · Scale 2, in force from 26 Feb 2026)