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$42,717
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,046
−HK$1,350/mo
Today · 4.125%
HK$45,396
baseline
▲ 0.50% · 4.625%
HK$48,158
+HK$2,762/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,792/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,522
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,797
−HK$1,293/mo
Today · 4.125%
HK$50,090
baseline
▲ 0.50% · 4.625%
HK$52,730
+HK$2,640/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,180/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,260
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,855
−HK$1,620/mo
Today · 4.125%
HK$54,475
baseline
▲ 0.50% · 4.625%
HK$57,789
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,950/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,026
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,556
−HK$1,551/mo
Today · 4.125%
HK$60,107
baseline
▲ 0.50% · 4.625%
HK$63,276
+HK$3,169/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,214/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,804
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,664
−HK$1,890/mo
Today · 4.125%
HK$63,554
baseline
▲ 0.50% · 4.625%
HK$67,421
+HK$3,867/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,108/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,531
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,315
−HK$1,810/mo
Today · 4.125%
HK$70,125
baseline
▲ 0.50% · 4.625%
HK$73,822
+HK$3,697/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,250/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,890
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,282
−HK$2,430/mo
Today · 4.125%
HK$81,712
baseline
▲ 0.50% · 4.625%
HK$86,684
+HK$4,972/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,424/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,540
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,834
−HK$2,327/mo
Today · 4.125%
HK$90,161
baseline
▲ 0.50% · 4.625%
HK$94,914
+HK$4,753/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,322/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,501 · Scale 2, in force from 26 Feb 2026)