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$42,689
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,017
−HK$1,349/mo
Today · 4.125%
HK$45,366
baseline
▲ 0.50% · 4.625%
HK$48,126
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,732/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,491
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,765
−HK$1,292/mo
Today · 4.125%
HK$50,057
baseline
▲ 0.50% · 4.625%
HK$52,695
+HK$2,638/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,114/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,227
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,820
−HK$1,619/mo
Today · 4.125%
HK$54,439
baseline
▲ 0.50% · 4.625%
HK$57,751
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,878/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,989
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,518
−HK$1,550/mo
Today · 4.125%
HK$60,068
baseline
▲ 0.50% · 4.625%
HK$63,234
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,136/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,764
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,623
−HK$1,889/mo
Today · 4.125%
HK$63,512
baseline
▲ 0.50% · 4.625%
HK$67,377
+HK$3,865/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,024/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,487
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,270
−HK$1,809/mo
Today · 4.125%
HK$70,079
baseline
▲ 0.50% · 4.625%
HK$73,773
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,158/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,840
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,230
−HK$2,429/mo
Today · 4.125%
HK$81,659
baseline
▲ 0.50% · 4.625%
HK$86,627
+HK$4,968/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,318/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,484
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,776
−HK$2,326/mo
Today · 4.125%
HK$90,102
baseline
▲ 0.50% · 4.625%
HK$94,852
+HK$4,750/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,204/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,041 · Scale 2, in force from 26 Feb 2026)