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$42,712
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,040
−HK$1,350/mo
Today · 4.125%
HK$45,390
baseline
▲ 0.50% · 4.625%
HK$48,152
+HK$2,762/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,780/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,516
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,791
−HK$1,293/mo
Today · 4.125%
HK$50,084
baseline
▲ 0.50% · 4.625%
HK$52,723
+HK$2,639/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,168/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,254
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,848
−HK$1,620/mo
Today · 4.125%
HK$54,468
baseline
▲ 0.50% · 4.625%
HK$57,782
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,936/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,020
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,549
−HK$1,551/mo
Today · 4.125%
HK$60,100
baseline
▲ 0.50% · 4.625%
HK$63,268
+HK$3,168/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,200/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,796
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,656
−HK$1,890/mo
Today · 4.125%
HK$63,546
baseline
▲ 0.50% · 4.625%
HK$67,413
+HK$3,867/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,092/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,523
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,307
−HK$1,810/mo
Today · 4.125%
HK$70,117
baseline
▲ 0.50% · 4.625%
HK$73,813
+HK$3,696/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,234/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,881
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,273
−HK$2,429/mo
Today · 4.125%
HK$81,702
baseline
▲ 0.50% · 4.625%
HK$86,674
+HK$4,972/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,404/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,529
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,823
−HK$2,327/mo
Today · 4.125%
HK$90,150
baseline
▲ 0.50% · 4.625%
HK$94,902
+HK$4,752/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,300/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,417 · Scale 2, in force from 26 Feb 2026)