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$42,687
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,015
−HK$1,349/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$48,124
+HK$2,760/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,489
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,763
−HK$1,292/mo
Today · 4.125%
HK$50,055
baseline
▲ 0.50% · 4.625%
HK$52,693
+HK$2,638/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,110/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$702,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,225
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,818
−HK$1,619/mo
Today · 4.125%
HK$54,437
baseline
▲ 0.50% · 4.625%
HK$57,749
+HK$3,312/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$108,874/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,987
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,515
−HK$1,551/mo
Today · 4.125%
HK$60,066
baseline
▲ 0.50% · 4.625%
HK$63,232
+HK$3,166/mo
Deposit HK$7.49M · loan HK$11.23M · min. income ≈ HK$120,132/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,762
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,621
−HK$1,889/mo
Today · 4.125%
HK$63,510
baseline
▲ 0.50% · 4.625%
HK$67,374
+HK$3,864/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$127,020/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,485
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,268
−HK$1,809/mo
Today · 4.125%
HK$70,077
baseline
▲ 0.50% · 4.625%
HK$73,771
+HK$3,694/mo
Deposit HK$5.62M · loan HK$13.10M · min. income ≈ HK$140,154/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,837
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,227
−HK$2,428/mo
Today · 4.125%
HK$81,655
baseline
▲ 0.50% · 4.625%
HK$86,624
+HK$4,969/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$163,310/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,481
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,773
−HK$2,326/mo
Today · 4.125%
HK$90,099
baseline
▲ 0.50% · 4.625%
HK$94,848
+HK$4,749/mo
Deposit HK$1.87M · loan HK$16.85M · min. income ≈ HK$180,198/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$702,015 · Scale 2, in force from 26 Feb 2026)