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$42,698
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,026
−HK$1,350/mo
Today · 4.125%
HK$45,376
baseline
▲ 0.50% · 4.625%
HK$48,137
+HK$2,761/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,752/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,501
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,775
−HK$1,293/mo
Today · 4.125%
HK$50,068
baseline
▲ 0.50% · 4.625%
HK$52,707
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,136/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,238
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,832
−HK$1,619/mo
Today · 4.125%
HK$54,451
baseline
▲ 0.50% · 4.625%
HK$57,764
+HK$3,313/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,902/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,002
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,530
−HK$1,551/mo
Today · 4.125%
HK$60,081
baseline
▲ 0.50% · 4.625%
HK$63,248
+HK$3,167/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,162/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,778
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,637
−HK$1,889/mo
Today · 4.125%
HK$63,526
baseline
▲ 0.50% · 4.625%
HK$67,392
+HK$3,866/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,052/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,502
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,285
−HK$1,810/mo
Today · 4.125%
HK$70,095
baseline
▲ 0.50% · 4.625%
HK$73,790
+HK$3,695/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,190/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,857
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,248
−HK$2,428/mo
Today · 4.125%
HK$81,676
baseline
▲ 0.50% · 4.625%
HK$86,646
+HK$4,970/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,352/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,502
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,796
−HK$2,326/mo
Today · 4.125%
HK$90,122
baseline
▲ 0.50% · 4.625%
HK$94,872
+HK$4,750/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,244/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,195 · Scale 2, in force from 26 Feb 2026)