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$42,708
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,037
−HK$1,349/mo
Today · 4.125%
HK$45,386
baseline
▲ 0.50% · 4.625%
HK$48,148
+HK$2,762/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,772/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,512
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,787
−HK$1,292/mo
Today · 4.125%
HK$50,079
baseline
▲ 0.50% · 4.625%
HK$52,719
+HK$2,640/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,158/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,250
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,844
−HK$1,620/mo
Today · 4.125%
HK$54,464
baseline
▲ 0.50% · 4.625%
HK$57,778
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,928/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,015
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,544
−HK$1,551/mo
Today · 4.125%
HK$60,095
baseline
▲ 0.50% · 4.625%
HK$63,263
+HK$3,168/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,190/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,792
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,651
−HK$1,890/mo
Today · 4.125%
HK$63,541
baseline
▲ 0.50% · 4.625%
HK$67,407
+HK$3,866/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,082/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,517
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,301
−HK$1,810/mo
Today · 4.125%
HK$70,111
baseline
▲ 0.50% · 4.625%
HK$73,807
+HK$3,696/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,222/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,875
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,266
−HK$2,430/mo
Today · 4.125%
HK$81,696
baseline
▲ 0.50% · 4.625%
HK$86,667
+HK$4,971/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,392/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,522
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,816
−HK$2,327/mo
Today · 4.125%
HK$90,143
baseline
▲ 0.50% · 4.625%
HK$94,895
+HK$4,752/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,286/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,359 · Scale 2, in force from 26 Feb 2026)