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$42,683
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,011
−HK$1,349/mo
Today · 4.125%
HK$45,360
baseline
▲ 0.50% · 4.625%
HK$48,120
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,720/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,485
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,758
−HK$1,292/mo
Today · 4.125%
HK$50,050
baseline
▲ 0.50% · 4.625%
HK$52,688
+HK$2,638/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,100/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,220
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,813
−HK$1,619/mo
Today · 4.125%
HK$54,432
baseline
▲ 0.50% · 4.625%
HK$57,744
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,864/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,982
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,510
−HK$1,550/mo
Today · 4.125%
HK$60,060
baseline
▲ 0.50% · 4.625%
HK$63,226
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,120/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,757
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,615
−HK$1,889/mo
Today · 4.125%
HK$63,504
baseline
▲ 0.50% · 4.625%
HK$67,368
+HK$3,864/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,008/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,479
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,262
−HK$1,808/mo
Today · 4.125%
HK$70,070
baseline
▲ 0.50% · 4.625%
HK$73,764
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,140/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,830
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,220
−HK$2,428/mo
Today · 4.125%
HK$81,648
baseline
▲ 0.50% · 4.625%
HK$86,616
+HK$4,968/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,296/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,472
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,765
−HK$2,325/mo
Today · 4.125%
HK$90,090
baseline
▲ 0.50% · 4.625%
HK$94,839
+HK$4,749/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,180/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,949 · Scale 2, in force from 26 Feb 2026)