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$42,756
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,086
−HK$1,351/mo
Today · 4.125%
HK$45,437
baseline
▲ 0.50% · 4.625%
HK$48,202
+HK$2,765/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,874/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,566
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,842
−HK$1,294/mo
Today · 4.125%
HK$50,136
baseline
▲ 0.50% · 4.625%
HK$52,778
+HK$2,642/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,272/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,308
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,903
−HK$1,622/mo
Today · 4.125%
HK$54,525
baseline
▲ 0.50% · 4.625%
HK$57,843
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,050/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,079
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,610
−HK$1,553/mo
Today · 4.125%
HK$60,163
baseline
▲ 0.50% · 4.625%
HK$63,334
+HK$3,171/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,326/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,859
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,721
−HK$1,891/mo
Today · 4.125%
HK$63,612
baseline
▲ 0.50% · 4.625%
HK$67,483
+HK$3,871/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,224/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,592
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,378
−HK$1,812/mo
Today · 4.125%
HK$70,190
baseline
▲ 0.50% · 4.625%
HK$73,890
+HK$3,700/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,380/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,961
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,355
−HK$2,432/mo
Today · 4.125%
HK$81,787
baseline
▲ 0.50% · 4.625%
HK$86,764
+HK$4,977/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,574/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,619
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,915
−HK$2,329/mo
Today · 4.125%
HK$90,244
baseline
▲ 0.50% · 4.625%
HK$95,001
+HK$4,757/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,488/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,149 · Scale 2, in force from 26 Feb 2026)