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$2,678/mo
▼ 0.25% · 3.875%
HK$44,029
−HK$1,349/mo
Today · 4.125%
HK$45,378
baseline
▲ 0.50% · 4.625%
HK$48,139
+HK$2,761/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,756/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,504
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,778
−HK$1,292/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$702,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,240
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,834
−HK$1,620/mo
Today · 4.125%
HK$54,454
baseline
▲ 0.50% · 4.625%
HK$57,767
+HK$3,313/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,908/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,004
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,533
−HK$1,551/mo
Today · 4.125%
HK$60,084
baseline
▲ 0.50% · 4.625%
HK$63,251
+HK$3,167/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,168/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,781
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,640
−HK$1,889/mo
Today · 4.125%
HK$63,529
baseline
▲ 0.50% · 4.625%
HK$67,395
+HK$3,866/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,058/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,505
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,289
−HK$1,809/mo
Today · 4.125%
HK$70,098
baseline
▲ 0.50% · 4.625%
HK$73,793
+HK$3,695/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,196/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,861
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,251
−HK$2,429/mo
Today · 4.125%
HK$81,680
baseline
▲ 0.50% · 4.625%
HK$86,651
+HK$4,971/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,360/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,507
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,800
−HK$2,326/mo
Today · 4.125%
HK$90,126
baseline
▲ 0.50% · 4.625%
HK$94,877
+HK$4,751/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,252/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,230 · Scale 2, in force from 26 Feb 2026)