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$42,724
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,053
−HK$1,350/mo
Today · 4.125%
HK$45,403
baseline
▲ 0.50% · 4.625%
HK$48,166
+HK$2,763/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,806/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,530
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,805
−HK$1,293/mo
Today · 4.125%
HK$50,098
baseline
▲ 0.50% · 4.625%
HK$52,739
+HK$2,641/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,196/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,269
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,864
−HK$1,620/mo
Today · 4.125%
HK$54,484
baseline
▲ 0.50% · 4.625%
HK$57,799
+HK$3,315/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,968/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,036
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,566
−HK$1,552/mo
Today · 4.125%
HK$60,118
baseline
▲ 0.50% · 4.625%
HK$63,286
+HK$3,168/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,236/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,814
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,674
−HK$1,890/mo
Today · 4.125%
HK$63,564
baseline
▲ 0.50% · 4.625%
HK$67,432
+HK$3,868/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,128/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,542
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,327
−HK$1,810/mo
Today · 4.125%
HK$70,137
baseline
▲ 0.50% · 4.625%
HK$73,834
+HK$3,697/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,274/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,903
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,295
−HK$2,431/mo
Today · 4.125%
HK$81,726
baseline
▲ 0.50% · 4.625%
HK$86,699
+HK$4,973/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,452/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,554
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,849
−HK$2,327/mo
Today · 4.125%
HK$90,176
baseline
▲ 0.50% · 4.625%
HK$94,930
+HK$4,754/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,352/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,619 · Scale 2, in force from 26 Feb 2026)