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$42,709
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,038
−HK$1,349/mo
Today · 4.125%
HK$45,387
baseline
▲ 0.50% · 4.625%
HK$48,149
+HK$2,762/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,774/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,514
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,788
−HK$1,293/mo
Today · 4.125%
HK$50,081
baseline
▲ 0.50% · 4.625%
HK$52,720
+HK$2,639/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,162/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,251
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,845
−HK$1,620/mo
Today · 4.125%
HK$54,465
baseline
▲ 0.50% · 4.625%
HK$57,779
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,930/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,016
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,545
−HK$1,552/mo
Today · 4.125%
HK$60,097
baseline
▲ 0.50% · 4.625%
HK$63,264
+HK$3,167/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,194/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,793
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,653
−HK$1,889/mo
Today · 4.125%
HK$63,542
baseline
▲ 0.50% · 4.625%
HK$67,409
+HK$3,867/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,084/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,519
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,303
−HK$1,810/mo
Today · 4.125%
HK$70,113
baseline
▲ 0.50% · 4.625%
HK$73,809
+HK$3,696/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,226/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,877
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,268
−HK$2,429/mo
Today · 4.125%
HK$81,697
baseline
▲ 0.50% · 4.625%
HK$86,669
+HK$4,972/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,394/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,524
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,818
−HK$2,327/mo
Today · 4.125%
HK$90,145
baseline
▲ 0.50% · 4.625%
HK$94,897
+HK$4,752/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,290/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,376 · Scale 2, in force from 26 Feb 2026)