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$42,753
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,083
−HK$1,351/mo
Today · 4.125%
HK$45,434
baseline
▲ 0.50% · 4.625%
HK$48,198
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,868/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,562
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,838
−HK$1,294/mo
Today · 4.125%
HK$50,132
baseline
▲ 0.50% · 4.625%
HK$52,774
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,264/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,303
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,899
−HK$1,622/mo
Today · 4.125%
HK$54,521
baseline
▲ 0.50% · 4.625%
HK$57,838
+HK$3,317/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,042/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,075
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,605
−HK$1,553/mo
Today · 4.125%
HK$60,158
baseline
▲ 0.50% · 4.625%
HK$63,329
+HK$3,171/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,316/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,854
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,716
−HK$1,891/mo
Today · 4.125%
HK$63,607
baseline
▲ 0.50% · 4.625%
HK$67,478
+HK$3,871/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,214/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,587
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,373
−HK$1,811/mo
Today · 4.125%
HK$70,184
baseline
▲ 0.50% · 4.625%
HK$73,884
+HK$3,700/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,368/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,955
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,349
−HK$2,432/mo
Today · 4.125%
HK$81,781
baseline
▲ 0.50% · 4.625%
HK$86,757
+HK$4,976/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,562/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,612
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,908
−HK$2,329/mo
Today · 4.125%
HK$90,237
baseline
▲ 0.50% · 4.625%
HK$94,994
+HK$4,757/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,474/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,093 · Scale 2, in force from 26 Feb 2026)