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$42,705
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,033
−HK$1,350/mo
Today · 4.125%
HK$45,383
baseline
▲ 0.50% · 4.625%
HK$48,144
+HK$2,761/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,766/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,509
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,783
−HK$1,292/mo
Today · 4.125%
HK$50,075
baseline
▲ 0.50% · 4.625%
HK$52,715
+HK$2,640/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,150/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,246
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,840
−HK$1,619/mo
Today · 4.125%
HK$54,459
baseline
▲ 0.50% · 4.625%
HK$57,773
+HK$3,314/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$108,918/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,010
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,539
−HK$1,551/mo
Today · 4.125%
HK$60,090
baseline
▲ 0.50% · 4.625%
HK$63,258
+HK$3,168/mo
Deposit HK$7.49M · loan HK$11.24M · min. income ≈ HK$120,180/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$702,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,787
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,646
−HK$1,890/mo
Today · 4.125%
HK$63,536
baseline
▲ 0.50% · 4.625%
HK$67,402
+HK$3,866/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$127,072/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,512
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,296
−HK$1,809/mo
Today · 4.125%
HK$70,105
baseline
▲ 0.50% · 4.625%
HK$73,801
+HK$3,696/mo
Deposit HK$5.62M · loan HK$13.11M · min. income ≈ HK$140,210/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,868
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,259
−HK$2,430/mo
Today · 4.125%
HK$81,689
baseline
▲ 0.50% · 4.625%
HK$86,659
+HK$4,970/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,378/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,515
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,809
−HK$2,327/mo
Today · 4.125%
HK$90,136
baseline
▲ 0.50% · 4.625%
HK$94,887
+HK$4,751/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,272/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,301 · Scale 2, in force from 26 Feb 2026)