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$42,730
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,059
−HK$1,350/mo
Today · 4.125%
HK$45,409
baseline
▲ 0.50% · 4.625%
HK$48,172
+HK$2,763/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,818/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,536
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,811
−HK$1,293/mo
Today · 4.125%
HK$50,104
baseline
▲ 0.50% · 4.625%
HK$52,746
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,208/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,276
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,870
−HK$1,621/mo
Today · 4.125%
HK$54,491
baseline
▲ 0.50% · 4.625%
HK$57,807
+HK$3,316/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$108,982/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,043
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,573
−HK$1,552/mo
Today · 4.125%
HK$60,125
baseline
▲ 0.50% · 4.625%
HK$63,295
+HK$3,170/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$120,250/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,821
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,682
−HK$1,891/mo
Today · 4.125%
HK$63,573
baseline
▲ 0.50% · 4.625%
HK$67,441
+HK$3,868/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,146/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,551
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,336
−HK$1,810/mo
Today · 4.125%
HK$70,146
baseline
▲ 0.50% · 4.625%
HK$73,844
+HK$3,698/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,292/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,913
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,306
−HK$2,430/mo
Today · 4.125%
HK$81,736
baseline
▲ 0.50% · 4.625%
HK$86,710
+HK$4,974/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,472/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,565
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,860
−HK$2,328/mo
Today · 4.125%
HK$90,188
baseline
▲ 0.50% · 4.625%
HK$94,942
+HK$4,754/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,376/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,711 · Scale 2, in force from 26 Feb 2026)