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$42,767
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,098
−HK$1,351/mo
Today · 4.125%
HK$45,449
baseline
▲ 0.50% · 4.625%
HK$48,215
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,898/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,578
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,854
−HK$1,295/mo
Today · 4.125%
HK$50,149
baseline
▲ 0.50% · 4.625%
HK$52,792
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,298/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,321
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,917
−HK$1,622/mo
Today · 4.125%
HK$54,539
baseline
▲ 0.50% · 4.625%
HK$57,857
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,078/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,094
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,625
−HK$1,553/mo
Today · 4.125%
HK$60,178
baseline
▲ 0.50% · 4.625%
HK$63,350
+HK$3,172/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,356/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,874
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,737
−HK$1,892/mo
Today · 4.125%
HK$63,629
baseline
▲ 0.50% · 4.625%
HK$67,500
+HK$3,871/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,258/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,609
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,396
−HK$1,812/mo
Today · 4.125%
HK$70,208
baseline
▲ 0.50% · 4.625%
HK$73,909
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,416/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,981
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,376
−HK$2,432/mo
Today · 4.125%
HK$81,808
baseline
▲ 0.50% · 4.625%
HK$86,786
+HK$4,978/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,616/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,641
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,937
−HK$2,330/mo
Today · 4.125%
HK$90,267
baseline
▲ 0.50% · 4.625%
HK$95,026
+HK$4,759/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,534/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,329 · Scale 2, in force from 26 Feb 2026)