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$42,755
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,085
−HK$1,351/mo
Today · 4.125%
HK$45,436
baseline
▲ 0.50% · 4.625%
HK$48,200
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,872/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,564
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,840
−HK$1,294/mo
Today · 4.125%
HK$50,134
baseline
▲ 0.50% · 4.625%
HK$52,777
+HK$2,643/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,268/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,306
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,902
−HK$1,621/mo
Today · 4.125%
HK$54,523
baseline
▲ 0.50% · 4.625%
HK$57,841
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,046/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,077
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,608
−HK$1,553/mo
Today · 4.125%
HK$60,161
baseline
▲ 0.50% · 4.625%
HK$63,332
+HK$3,171/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,322/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,857
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,718
−HK$1,892/mo
Today · 4.125%
HK$63,610
baseline
▲ 0.50% · 4.625%
HK$67,481
+HK$3,871/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,220/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,590
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,376
−HK$1,812/mo
Today · 4.125%
HK$70,188
baseline
▲ 0.50% · 4.625%
HK$73,887
+HK$3,699/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,376/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,958
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,352
−HK$2,432/mo
Today · 4.125%
HK$81,784
baseline
▲ 0.50% · 4.625%
HK$86,761
+HK$4,977/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,568/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,616
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,912
−HK$2,329/mo
Today · 4.125%
HK$90,241
baseline
▲ 0.50% · 4.625%
HK$94,998
+HK$4,757/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,482/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,124 · Scale 2, in force from 26 Feb 2026)