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$42,688
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,016
−HK$1,349/mo
Today · 4.125%
HK$45,365
baseline
▲ 0.50% · 4.625%
HK$48,125
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,730/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,490
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,763
−HK$1,292/mo
Today · 4.125%
HK$50,055
baseline
▲ 0.50% · 4.625%
HK$52,694
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,110/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,225
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,819
−HK$1,619/mo
Today · 4.125%
HK$54,438
baseline
▲ 0.50% · 4.625%
HK$57,750
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,876/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,988
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,516
−HK$1,550/mo
Today · 4.125%
HK$60,066
baseline
▲ 0.50% · 4.625%
HK$63,233
+HK$3,167/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,132/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,763
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,622
−HK$1,888/mo
Today · 4.125%
HK$63,510
baseline
▲ 0.50% · 4.625%
HK$67,375
+HK$3,865/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,020/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,486
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,269
−HK$1,809/mo
Today · 4.125%
HK$70,078
baseline
▲ 0.50% · 4.625%
HK$73,771
+HK$3,693/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,156/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,838
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,228
−HK$2,428/mo
Today · 4.125%
HK$81,656
baseline
▲ 0.50% · 4.625%
HK$86,625
+HK$4,969/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,312/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,481
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,774
−HK$2,326/mo
Today · 4.125%
HK$90,100
baseline
▲ 0.50% · 4.625%
HK$94,849
+HK$4,749/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,200/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,022 · Scale 2, in force from 26 Feb 2026)