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$42,764
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,094
−HK$1,352/mo
Today · 4.125%
HK$45,446
baseline
▲ 0.50% · 4.625%
HK$48,211
+HK$2,765/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,892/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,575
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,851
−HK$1,294/mo
Today · 4.125%
HK$50,145
baseline
▲ 0.50% · 4.625%
HK$52,788
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,290/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,317
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,913
−HK$1,622/mo
Today · 4.125%
HK$54,535
baseline
▲ 0.50% · 4.625%
HK$57,853
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,070/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,090
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,621
−HK$1,553/mo
Today · 4.125%
HK$60,174
baseline
▲ 0.50% · 4.625%
HK$63,346
+HK$3,172/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,348/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,870
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,732
−HK$1,892/mo
Today · 4.125%
HK$63,624
baseline
▲ 0.50% · 4.625%
HK$67,496
+HK$3,872/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,248/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,605
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,391
−HK$1,812/mo
Today · 4.125%
HK$70,203
baseline
▲ 0.50% · 4.625%
HK$73,904
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,406/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,975
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,370
−HK$2,433/mo
Today · 4.125%
HK$81,803
baseline
▲ 0.50% · 4.625%
HK$86,780
+HK$4,977/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,606/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,634
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,931
−HK$2,330/mo
Today · 4.125%
HK$90,261
baseline
▲ 0.50% · 4.625%
HK$95,019
+HK$4,758/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,522/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,279 · Scale 2, in force from 26 Feb 2026)