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$42,731
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,060
−HK$1,351/mo
Today · 4.125%
HK$45,411
baseline
▲ 0.50% · 4.625%
HK$48,174
+HK$2,763/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,822/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,538
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,813
−HK$1,293/mo
Today · 4.125%
HK$50,106
baseline
▲ 0.50% · 4.625%
HK$52,748
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,212/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,277
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,872
−HK$1,621/mo
Today · 4.125%
HK$54,493
baseline
▲ 0.50% · 4.625%
HK$57,809
+HK$3,316/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$108,986/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,046
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,576
−HK$1,552/mo
Today · 4.125%
HK$60,128
baseline
▲ 0.50% · 4.625%
HK$63,297
+HK$3,169/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$120,256/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,824
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,685
−HK$1,890/mo
Today · 4.125%
HK$63,575
baseline
▲ 0.50% · 4.625%
HK$67,444
+HK$3,869/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,150/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,553
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,338
−HK$1,811/mo
Today · 4.125%
HK$70,149
baseline
▲ 0.50% · 4.625%
HK$73,847
+HK$3,698/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,298/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,916
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,309
−HK$2,431/mo
Today · 4.125%
HK$81,740
baseline
▲ 0.50% · 4.625%
HK$86,713
+HK$4,973/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,480/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,569
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,863
−HK$2,329/mo
Today · 4.125%
HK$90,192
baseline
▲ 0.50% · 4.625%
HK$94,946
+HK$4,754/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,384/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,738 · Scale 2, in force from 26 Feb 2026)