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$42,948
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,284
−HK$1,357/mo
Today · 4.125%
HK$45,641
baseline
▲ 0.50% · 4.625%
HK$48,418
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,282/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,779
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,061
−HK$1,300/mo
Today · 4.125%
HK$50,361
baseline
▲ 0.50% · 4.625%
HK$53,015
+HK$2,654/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,722/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,538
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,141
−HK$1,629/mo
Today · 4.125%
HK$54,770
baseline
▲ 0.50% · 4.625%
HK$58,102
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,540/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,335
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,873
−HK$1,560/mo
Today · 4.125%
HK$60,433
baseline
▲ 0.50% · 4.625%
HK$63,618
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,866/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,127
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,998
−HK$1,900/mo
Today · 4.125%
HK$63,898
baseline
▲ 0.50% · 4.625%
HK$67,786
+HK$3,888/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,796/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,891
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,685
−HK$1,820/mo
Today · 4.125%
HK$70,505
baseline
▲ 0.50% · 4.625%
HK$74,221
+HK$3,716/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$141,010/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,307
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,711
−HK$2,443/mo
Today · 4.125%
HK$82,154
baseline
▲ 0.50% · 4.625%
HK$87,153
+HK$4,999/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,308/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,003
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,309
−HK$2,340/mo
Today · 4.125%
HK$90,649
baseline
▲ 0.50% · 4.625%
HK$95,427
+HK$4,778/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,298/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,304 · Scale 2, in force from 26 Feb 2026)