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$42,702
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,030
−HK$1,349/mo
Today · 4.125%
HK$45,379
baseline
▲ 0.50% · 4.625%
HK$48,141
+HK$2,762/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,758/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,505
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,779
−HK$1,293/mo
Today · 4.125%
HK$50,072
baseline
▲ 0.50% · 4.625%
HK$52,711
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,144/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,242
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,836
−HK$1,619/mo
Today · 4.125%
HK$54,455
baseline
▲ 0.50% · 4.625%
HK$57,769
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,910/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,006
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,535
−HK$1,551/mo
Today · 4.125%
HK$60,086
baseline
▲ 0.50% · 4.625%
HK$63,253
+HK$3,167/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,172/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,782
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,642
−HK$1,889/mo
Today · 4.125%
HK$63,531
baseline
▲ 0.50% · 4.625%
HK$67,397
+HK$3,866/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,062/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,507
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,291
−HK$1,810/mo
Today · 4.125%
HK$70,101
baseline
▲ 0.50% · 4.625%
HK$73,796
+HK$3,695/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,202/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,863
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,254
−HK$2,429/mo
Today · 4.125%
HK$81,683
baseline
▲ 0.50% · 4.625%
HK$86,653
+HK$4,970/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,366/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,509
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,803
−HK$2,326/mo
Today · 4.125%
HK$90,129
baseline
▲ 0.50% · 4.625%
HK$94,880
+HK$4,751/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,258/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,252 · Scale 2, in force from 26 Feb 2026)