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$42,707
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,036
−HK$1,349/mo
Today · 4.125%
HK$45,385
baseline
▲ 0.50% · 4.625%
HK$48,147
+HK$2,762/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,770/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,512
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,786
−HK$1,292/mo
Today · 4.125%
HK$50,078
baseline
▲ 0.50% · 4.625%
HK$52,718
+HK$2,640/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,156/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,249
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,843
−HK$1,620/mo
Today · 4.125%
HK$54,463
baseline
▲ 0.50% · 4.625%
HK$57,777
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,926/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,014
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,543
−HK$1,551/mo
Today · 4.125%
HK$60,094
baseline
▲ 0.50% · 4.625%
HK$63,262
+HK$3,168/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,188/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,790
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,650
−HK$1,890/mo
Today · 4.125%
HK$63,540
baseline
▲ 0.50% · 4.625%
HK$67,406
+HK$3,866/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,080/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,516
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,300
−HK$1,810/mo
Today · 4.125%
HK$70,110
baseline
▲ 0.50% · 4.625%
HK$73,805
+HK$3,695/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,220/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,873
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,264
−HK$2,430/mo
Today · 4.125%
HK$81,694
baseline
▲ 0.50% · 4.625%
HK$86,665
+HK$4,971/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,388/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,521
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,814
−HK$2,327/mo
Today · 4.125%
HK$90,141
baseline
▲ 0.50% · 4.625%
HK$94,893
+HK$4,752/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,282/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,345 · Scale 2, in force from 26 Feb 2026)