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$42,716
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,045
−HK$1,350/mo
Today · 4.125%
HK$45,395
baseline
▲ 0.50% · 4.625%
HK$48,157
+HK$2,762/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,790/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,521
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,796
−HK$1,293/mo
Today · 4.125%
HK$50,089
baseline
▲ 0.50% · 4.625%
HK$52,729
+HK$2,640/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,178/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,259
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,854
−HK$1,620/mo
Today · 4.125%
HK$54,474
baseline
▲ 0.50% · 4.625%
HK$57,788
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,948/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,025
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,555
−HK$1,551/mo
Today · 4.125%
HK$60,106
baseline
▲ 0.50% · 4.625%
HK$63,275
+HK$3,169/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,212/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,803
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,663
−HK$1,890/mo
Today · 4.125%
HK$63,553
baseline
▲ 0.50% · 4.625%
HK$67,420
+HK$3,867/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,106/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,530
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,314
−HK$1,810/mo
Today · 4.125%
HK$70,124
baseline
▲ 0.50% · 4.625%
HK$73,820
+HK$3,696/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,248/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,889
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,281
−HK$2,430/mo
Today · 4.125%
HK$81,711
baseline
▲ 0.50% · 4.625%
HK$86,682
+HK$4,971/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,422/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,538
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,832
−HK$2,328/mo
Today · 4.125%
HK$90,160
baseline
▲ 0.50% · 4.625%
HK$94,912
+HK$4,752/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,320/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,489 · Scale 2, in force from 26 Feb 2026)