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$42,771
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,102
−HK$1,352/mo
Today · 4.125%
HK$45,454
baseline
▲ 0.50% · 4.625%
HK$48,219
+HK$2,765/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,908/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,583
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,859
−HK$1,295/mo
Today · 4.125%
HK$50,154
baseline
▲ 0.50% · 4.625%
HK$52,797
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,308/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,326
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,922
−HK$1,622/mo
Today · 4.125%
HK$54,544
baseline
▲ 0.50% · 4.625%
HK$57,863
+HK$3,319/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,088/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,099
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,631
−HK$1,553/mo
Today · 4.125%
HK$60,184
baseline
▲ 0.50% · 4.625%
HK$63,357
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,368/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,880
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,743
−HK$1,892/mo
Today · 4.125%
HK$63,635
baseline
▲ 0.50% · 4.625%
HK$67,507
+HK$3,872/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,270/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,616
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,403
−HK$1,812/mo
Today · 4.125%
HK$70,215
baseline
▲ 0.50% · 4.625%
HK$73,916
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,430/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,989
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,383
−HK$2,433/mo
Today · 4.125%
HK$81,816
baseline
▲ 0.50% · 4.625%
HK$86,795
+HK$4,979/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,632/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,649
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,946
−HK$2,330/mo
Today · 4.125%
HK$90,276
baseline
▲ 0.50% · 4.625%
HK$95,035
+HK$4,759/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,552/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,399 · Scale 2, in force from 26 Feb 2026)