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$42,713
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,042
−HK$1,350/mo
Today · 4.125%
HK$45,392
baseline
▲ 0.50% · 4.625%
HK$48,154
+HK$2,762/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,784/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,518
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,793
−HK$1,292/mo
Today · 4.125%
HK$50,085
baseline
▲ 0.50% · 4.625%
HK$52,726
+HK$2,641/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,170/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,256
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,850
−HK$1,620/mo
Today · 4.125%
HK$54,470
baseline
▲ 0.50% · 4.625%
HK$57,785
+HK$3,315/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,940/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,022
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,551
−HK$1,552/mo
Today · 4.125%
HK$60,103
baseline
▲ 0.50% · 4.625%
HK$63,271
+HK$3,168/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,206/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,799
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,659
−HK$1,890/mo
Today · 4.125%
HK$63,549
baseline
▲ 0.50% · 4.625%
HK$67,415
+HK$3,866/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,098/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,526
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,310
−HK$1,810/mo
Today · 4.125%
HK$70,120
baseline
▲ 0.50% · 4.625%
HK$73,816
+HK$3,696/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,240/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,884
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,276
−HK$2,429/mo
Today · 4.125%
HK$81,705
baseline
▲ 0.50% · 4.625%
HK$86,677
+HK$4,972/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,410/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,533
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,827
−HK$2,327/mo
Today · 4.125%
HK$90,154
baseline
▲ 0.50% · 4.625%
HK$94,906
+HK$4,752/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,308/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,445 · Scale 2, in force from 26 Feb 2026)