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$42,733
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,062
−HK$1,350/mo
Today · 4.125%
HK$45,412
baseline
▲ 0.50% · 4.625%
HK$48,176
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,824/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,540
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,815
−HK$1,293/mo
Today · 4.125%
HK$50,108
baseline
▲ 0.50% · 4.625%
HK$52,749
+HK$2,641/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,216/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,279
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,874
−HK$1,621/mo
Today · 4.125%
HK$54,495
baseline
▲ 0.50% · 4.625%
HK$57,811
+HK$3,316/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$108,990/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,048
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,578
−HK$1,552/mo
Today · 4.125%
HK$60,130
baseline
▲ 0.50% · 4.625%
HK$63,299
+HK$3,169/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$120,260/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,826
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,687
−HK$1,890/mo
Today · 4.125%
HK$63,577
baseline
▲ 0.50% · 4.625%
HK$67,446
+HK$3,869/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,154/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,555
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,340
−HK$1,811/mo
Today · 4.125%
HK$70,151
baseline
▲ 0.50% · 4.625%
HK$73,849
+HK$3,698/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,302/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,919
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,311
−HK$2,431/mo
Today · 4.125%
HK$81,742
baseline
▲ 0.50% · 4.625%
HK$86,716
+HK$4,974/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,484/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,571
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,866
−HK$2,328/mo
Today · 4.125%
HK$90,194
baseline
▲ 0.50% · 4.625%
HK$94,949
+HK$4,755/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,388/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,761 · Scale 2, in force from 26 Feb 2026)