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$42,774
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,105
−HK$1,352/mo
Today · 4.125%
HK$45,457
baseline
▲ 0.50% · 4.625%
HK$48,222
+HK$2,765/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,914/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,586
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,862
−HK$1,295/mo
Today · 4.125%
HK$50,157
baseline
▲ 0.50% · 4.625%
HK$52,801
+HK$2,644/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,314/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,329
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,926
−HK$1,622/mo
Today · 4.125%
HK$54,548
baseline
▲ 0.50% · 4.625%
HK$57,867
+HK$3,319/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,096/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,103
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,635
−HK$1,553/mo
Today · 4.125%
HK$60,188
baseline
▲ 0.50% · 4.625%
HK$63,361
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,376/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,884
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,747
−HK$1,892/mo
Today · 4.125%
HK$63,639
baseline
▲ 0.50% · 4.625%
HK$67,511
+HK$3,872/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,278/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,620
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,407
−HK$1,813/mo
Today · 4.125%
HK$70,220
baseline
▲ 0.50% · 4.625%
HK$73,921
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,440/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,994
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,389
−HK$2,433/mo
Today · 4.125%
HK$81,822
baseline
▲ 0.50% · 4.625%
HK$86,800
+HK$4,978/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,644/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,655
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,952
−HK$2,330/mo
Today · 4.125%
HK$90,282
baseline
▲ 0.50% · 4.625%
HK$95,041
+HK$4,759/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,564/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,445 · Scale 2, in force from 26 Feb 2026)