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$42,968
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,305
−HK$1,358/mo
Today · 4.125%
HK$45,663
baseline
▲ 0.50% · 4.625%
HK$48,441
+HK$2,778/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,326/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,802
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,084
−HK$1,300/mo
Today · 4.125%
HK$50,384
baseline
▲ 0.50% · 4.625%
HK$53,040
+HK$2,656/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,768/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,562
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,166
−HK$1,629/mo
Today · 4.125%
HK$54,795
baseline
▲ 0.50% · 4.625%
HK$58,129
+HK$3,334/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,590/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,362
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,900
−HK$1,561/mo
Today · 4.125%
HK$60,461
baseline
▲ 0.50% · 4.625%
HK$63,648
+HK$3,187/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,922/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,156
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,027
−HK$1,901/mo
Today · 4.125%
HK$63,928
baseline
▲ 0.50% · 4.625%
HK$67,818
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,856/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,922
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,717
−HK$1,821/mo
Today · 4.125%
HK$70,538
baseline
▲ 0.50% · 4.625%
HK$74,256
+HK$3,718/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,076/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,343
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,749
−HK$2,444/mo
Today · 4.125%
HK$82,193
baseline
▲ 0.50% · 4.625%
HK$87,194
+HK$5,001/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,386/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,043
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,351
−HK$2,341/mo
Today · 4.125%
HK$90,692
baseline
▲ 0.50% · 4.625%
HK$95,472
+HK$4,780/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,384/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,635 · Scale 2, in force from 26 Feb 2026)