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$42,727
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,056
−HK$1,351/mo
Today · 4.125%
HK$45,407
baseline
▲ 0.50% · 4.625%
HK$48,170
+HK$2,763/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,814/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,534
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,809
−HK$1,293/mo
Today · 4.125%
HK$50,102
baseline
▲ 0.50% · 4.625%
HK$52,743
+HK$2,641/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,204/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,273
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,868
−HK$1,620/mo
Today · 4.125%
HK$54,488
baseline
▲ 0.50% · 4.625%
HK$57,803
+HK$3,315/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$108,976/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,040
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,570
−HK$1,552/mo
Today · 4.125%
HK$60,122
baseline
▲ 0.50% · 4.625%
HK$63,291
+HK$3,169/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$120,244/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,818
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,679
−HK$1,890/mo
Today · 4.125%
HK$63,569
baseline
▲ 0.50% · 4.625%
HK$67,437
+HK$3,868/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,138/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,547
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,332
−HK$1,811/mo
Today · 4.125%
HK$70,143
baseline
▲ 0.50% · 4.625%
HK$73,840
+HK$3,697/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,286/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,909
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,301
−HK$2,431/mo
Today · 4.125%
HK$81,732
baseline
▲ 0.50% · 4.625%
HK$86,705
+HK$4,973/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,464/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,561
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,855
−HK$2,328/mo
Today · 4.125%
HK$90,183
baseline
▲ 0.50% · 4.625%
HK$94,937
+HK$4,754/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,366/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,673 · Scale 2, in force from 26 Feb 2026)