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$42,693
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,021
−HK$1,350/mo
Today · 4.125%
HK$45,371
baseline
▲ 0.50% · 4.625%
HK$48,131
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,742/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,496
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,770
−HK$1,292/mo
Today · 4.125%
HK$50,062
baseline
▲ 0.50% · 4.625%
HK$52,701
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,124/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,232
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,826
−HK$1,619/mo
Today · 4.125%
HK$54,445
baseline
▲ 0.50% · 4.625%
HK$57,758
+HK$3,313/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,890/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,995
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,524
−HK$1,551/mo
Today · 4.125%
HK$60,075
baseline
▲ 0.50% · 4.625%
HK$63,241
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,150/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,771
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,630
−HK$1,889/mo
Today · 4.125%
HK$63,519
baseline
▲ 0.50% · 4.625%
HK$67,384
+HK$3,865/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,038/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,494
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,278
−HK$1,809/mo
Today · 4.125%
HK$70,087
baseline
▲ 0.50% · 4.625%
HK$73,781
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,174/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,848
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,239
−HK$2,428/mo
Today · 4.125%
HK$81,667
baseline
▲ 0.50% · 4.625%
HK$86,637
+HK$4,970/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,334/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,493
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,786
−HK$2,326/mo
Today · 4.125%
HK$90,112
baseline
▲ 0.50% · 4.625%
HK$94,862
+HK$4,750/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,224/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,117 · Scale 2, in force from 26 Feb 2026)