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$42,764
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,094
−HK$1,351/mo
Today · 4.125%
HK$45,445
baseline
▲ 0.50% · 4.625%
HK$48,210
+HK$2,765/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,890/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,574
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,850
−HK$1,294/mo
Today · 4.125%
HK$50,144
baseline
▲ 0.50% · 4.625%
HK$52,787
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,288/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,316
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,912
−HK$1,622/mo
Today · 4.125%
HK$54,534
baseline
▲ 0.50% · 4.625%
HK$57,853
+HK$3,319/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,068/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,089
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,620
−HK$1,553/mo
Today · 4.125%
HK$60,173
baseline
▲ 0.50% · 4.625%
HK$63,345
+HK$3,172/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,346/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,869
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,731
−HK$1,892/mo
Today · 4.125%
HK$63,623
baseline
▲ 0.50% · 4.625%
HK$67,495
+HK$3,872/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,246/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,604
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,390
−HK$1,812/mo
Today · 4.125%
HK$70,202
baseline
▲ 0.50% · 4.625%
HK$73,902
+HK$3,700/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,404/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,974
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,369
−HK$2,432/mo
Today · 4.125%
HK$81,801
baseline
▲ 0.50% · 4.625%
HK$86,779
+HK$4,978/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,602/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,633
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,930
−HK$2,330/mo
Today · 4.125%
HK$90,260
baseline
▲ 0.50% · 4.625%
HK$95,017
+HK$4,757/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,520/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,269 · Scale 2, in force from 26 Feb 2026)