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$42,696
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,024
−HK$1,350/mo
Today · 4.125%
HK$45,374
baseline
▲ 0.50% · 4.625%
HK$48,135
+HK$2,761/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,748/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,499
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,773
−HK$1,292/mo
Today · 4.125%
HK$50,065
baseline
▲ 0.50% · 4.625%
HK$52,704
+HK$2,639/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,130/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,236
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,829
−HK$1,619/mo
Today · 4.125%
HK$54,448
baseline
▲ 0.50% · 4.625%
HK$57,762
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,896/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,999
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,528
−HK$1,551/mo
Today · 4.125%
HK$60,079
baseline
▲ 0.50% · 4.625%
HK$63,245
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,158/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,775
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,634
−HK$1,889/mo
Today · 4.125%
HK$63,523
baseline
▲ 0.50% · 4.625%
HK$67,388
+HK$3,865/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,046/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,499
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,282
−HK$1,810/mo
Today · 4.125%
HK$70,092
baseline
▲ 0.50% · 4.625%
HK$73,786
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,184/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,853
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,244
−HK$2,429/mo
Today · 4.125%
HK$81,673
baseline
▲ 0.50% · 4.625%
HK$86,642
+HK$4,969/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,346/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,499
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,792
−HK$2,326/mo
Today · 4.125%
HK$90,118
baseline
▲ 0.50% · 4.625%
HK$94,868
+HK$4,750/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,236/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,163 · Scale 2, in force from 26 Feb 2026)