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$42,737
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,066
−HK$1,351/mo
Today · 4.125%
HK$45,417
baseline
▲ 0.50% · 4.625%
HK$48,181
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,834/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,545
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,820
−HK$1,293/mo
Today · 4.125%
HK$50,113
baseline
▲ 0.50% · 4.625%
HK$52,755
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,226/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,284
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,880
−HK$1,620/mo
Today · 4.125%
HK$54,500
baseline
▲ 0.50% · 4.625%
HK$57,817
+HK$3,317/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,000/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,053
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,584
−HK$1,552/mo
Today · 4.125%
HK$60,136
baseline
▲ 0.50% · 4.625%
HK$63,306
+HK$3,170/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,272/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,832
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,693
−HK$1,891/mo
Today · 4.125%
HK$63,584
baseline
▲ 0.50% · 4.625%
HK$67,453
+HK$3,869/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,168/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,562
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,348
−HK$1,811/mo
Today · 4.125%
HK$70,159
baseline
▲ 0.50% · 4.625%
HK$73,857
+HK$3,698/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,318/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,927
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,320
−HK$2,431/mo
Today · 4.125%
HK$81,751
baseline
▲ 0.50% · 4.625%
HK$86,725
+HK$4,974/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,502/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,580
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,875
−HK$2,329/mo
Today · 4.125%
HK$90,204
baseline
▲ 0.50% · 4.625%
HK$94,959
+HK$4,755/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,408/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,834 · Scale 2, in force from 26 Feb 2026)