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$42,754
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,083
−HK$1,352/mo
Today · 4.125%
HK$45,435
baseline
▲ 0.50% · 4.625%
HK$48,199
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,870/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,563
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,839
−HK$1,294/mo
Today · 4.125%
HK$50,133
baseline
▲ 0.50% · 4.625%
HK$52,775
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,266/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,304
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,900
−HK$1,621/mo
Today · 4.125%
HK$54,521
baseline
▲ 0.50% · 4.625%
HK$57,839
+HK$3,318/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$703,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,075
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,606
−HK$1,553/mo
Today · 4.125%
HK$60,159
baseline
▲ 0.50% · 4.625%
HK$63,330
+HK$3,171/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,318/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,855
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,717
−HK$1,891/mo
Today · 4.125%
HK$63,608
baseline
▲ 0.50% · 4.625%
HK$67,479
+HK$3,871/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,216/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,588
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,374
−HK$1,812/mo
Today · 4.125%
HK$70,186
baseline
▲ 0.50% · 4.625%
HK$73,885
+HK$3,699/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,372/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,956
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,350
−HK$2,432/mo
Today · 4.125%
HK$81,782
baseline
▲ 0.50% · 4.625%
HK$86,758
+HK$4,976/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,564/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,613
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,909
−HK$2,330/mo
Today · 4.125%
HK$90,239
baseline
▲ 0.50% · 4.625%
HK$94,995
+HK$4,756/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,478/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,105 · Scale 2, in force from 26 Feb 2026)