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$42,783
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,114
−HK$1,352/mo
Today · 4.125%
HK$45,466
baseline
▲ 0.50% · 4.625%
HK$48,232
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,932/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,596
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,872
−HK$1,295/mo
Today · 4.125%
HK$50,167
baseline
▲ 0.50% · 4.625%
HK$52,812
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,334/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,340
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,937
−HK$1,622/mo
Today · 4.125%
HK$54,559
baseline
▲ 0.50% · 4.625%
HK$57,879
+HK$3,320/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,118/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,115
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,647
−HK$1,554/mo
Today · 4.125%
HK$60,201
baseline
▲ 0.50% · 4.625%
HK$63,374
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,402/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,896
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,759
−HK$1,893/mo
Today · 4.125%
HK$63,652
baseline
▲ 0.50% · 4.625%
HK$67,525
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,304/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,634
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,421
−HK$1,813/mo
Today · 4.125%
HK$70,234
baseline
▲ 0.50% · 4.625%
HK$73,936
+HK$3,702/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,468/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,009
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,405
−HK$2,434/mo
Today · 4.125%
HK$81,839
baseline
▲ 0.50% · 4.625%
HK$86,818
+HK$4,979/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,678/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,672
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,970
−HK$2,331/mo
Today · 4.125%
HK$90,301
baseline
▲ 0.50% · 4.625%
HK$95,061
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,602/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,589 · Scale 2, in force from 26 Feb 2026)