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$42,719
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,048
−HK$1,350/mo
Today · 4.125%
HK$45,398
baseline
▲ 0.50% · 4.625%
HK$48,160
+HK$2,762/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,796/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,525
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,799
−HK$1,293/mo
Today · 4.125%
HK$50,092
baseline
▲ 0.50% · 4.625%
HK$52,733
+HK$2,641/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,184/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,263
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,858
−HK$1,620/mo
Today · 4.125%
HK$54,478
baseline
▲ 0.50% · 4.625%
HK$57,792
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,956/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,030
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,559
−HK$1,552/mo
Today · 4.125%
HK$60,111
baseline
▲ 0.50% · 4.625%
HK$63,279
+HK$3,168/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,222/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,807
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,667
−HK$1,890/mo
Today · 4.125%
HK$63,557
baseline
▲ 0.50% · 4.625%
HK$67,425
+HK$3,868/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,114/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,535
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,319
−HK$1,810/mo
Today · 4.125%
HK$70,129
baseline
▲ 0.50% · 4.625%
HK$73,826
+HK$3,697/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,258/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,895
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,286
−HK$2,430/mo
Today · 4.125%
HK$81,716
baseline
▲ 0.50% · 4.625%
HK$86,689
+HK$4,973/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,432/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,544
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,839
−HK$2,327/mo
Today · 4.125%
HK$90,166
baseline
▲ 0.50% · 4.625%
HK$94,919
+HK$4,753/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,332/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,539 · Scale 2, in force from 26 Feb 2026)