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$42,691
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,019
−HK$1,349/mo
Today · 4.125%
HK$45,368
baseline
▲ 0.50% · 4.625%
HK$48,129
+HK$2,761/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,736/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,493
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,767
−HK$1,292/mo
Today · 4.125%
HK$50,059
baseline
▲ 0.50% · 4.625%
HK$52,698
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,118/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,229
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,823
−HK$1,619/mo
Today · 4.125%
HK$54,442
baseline
▲ 0.50% · 4.625%
HK$57,754
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,884/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,992
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,520
−HK$1,551/mo
Today · 4.125%
HK$60,071
baseline
▲ 0.50% · 4.625%
HK$63,237
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,142/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,767
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,626
−HK$1,889/mo
Today · 4.125%
HK$63,515
baseline
▲ 0.50% · 4.625%
HK$67,380
+HK$3,865/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,030/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,490
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,274
−HK$1,809/mo
Today · 4.125%
HK$70,083
baseline
▲ 0.50% · 4.625%
HK$73,777
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,166/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,844
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,234
−HK$2,428/mo
Today · 4.125%
HK$81,662
baseline
▲ 0.50% · 4.625%
HK$86,631
+HK$4,969/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,324/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,488
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,780
−HK$2,326/mo
Today · 4.125%
HK$90,106
baseline
▲ 0.50% · 4.625%
HK$94,856
+HK$4,750/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,212/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,075 · Scale 2, in force from 26 Feb 2026)