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$42,700
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,028
−HK$1,349/mo
Today · 4.125%
HK$45,377
baseline
▲ 0.50% · 4.625%
HK$48,139
+HK$2,762/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,754/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,503
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,777
−HK$1,293/mo
Today · 4.125%
HK$50,070
baseline
▲ 0.50% · 4.625%
HK$52,709
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,140/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,240
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,834
−HK$1,619/mo
Today · 4.125%
HK$54,453
baseline
▲ 0.50% · 4.625%
HK$57,766
+HK$3,313/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,906/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,004
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,532
−HK$1,551/mo
Today · 4.125%
HK$60,083
baseline
▲ 0.50% · 4.625%
HK$63,250
+HK$3,167/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,166/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,780
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,639
−HK$1,889/mo
Today · 4.125%
HK$63,528
baseline
▲ 0.50% · 4.625%
HK$67,394
+HK$3,866/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,056/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,504
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,288
−HK$1,809/mo
Today · 4.125%
HK$70,097
baseline
▲ 0.50% · 4.625%
HK$73,792
+HK$3,695/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,194/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,860
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,250
−HK$2,429/mo
Today · 4.125%
HK$81,679
baseline
▲ 0.50% · 4.625%
HK$86,649
+HK$4,970/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,358/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,506
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,799
−HK$2,326/mo
Today · 4.125%
HK$90,125
baseline
▲ 0.50% · 4.625%
HK$94,876
+HK$4,751/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,250/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,220 · Scale 2, in force from 26 Feb 2026)