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$42,690
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,017
−HK$1,350/mo
Today · 4.125%
HK$45,367
baseline
▲ 0.50% · 4.625%
HK$48,127
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,734/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,492
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,765
−HK$1,292/mo
Today · 4.125%
HK$50,057
baseline
▲ 0.50% · 4.625%
HK$52,696
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,114/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,227
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,821
−HK$1,619/mo
Today · 4.125%
HK$54,440
baseline
▲ 0.50% · 4.625%
HK$57,752
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,880/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,990
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,518
−HK$1,551/mo
Today · 4.125%
HK$60,069
baseline
▲ 0.50% · 4.625%
HK$63,235
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,138/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,765
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,624
−HK$1,889/mo
Today · 4.125%
HK$63,513
baseline
▲ 0.50% · 4.625%
HK$67,378
+HK$3,865/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,026/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,488
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,272
−HK$1,808/mo
Today · 4.125%
HK$70,080
baseline
▲ 0.50% · 4.625%
HK$73,775
+HK$3,695/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,160/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,841
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,231
−HK$2,429/mo
Today · 4.125%
HK$81,660
baseline
▲ 0.50% · 4.625%
HK$86,629
+HK$4,969/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,320/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,485
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,778
−HK$2,325/mo
Today · 4.125%
HK$90,103
baseline
▲ 0.50% · 4.625%
HK$94,853
+HK$4,750/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,206/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,052 · Scale 2, in force from 26 Feb 2026)