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$42,738
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,067
−HK$1,351/mo
Today · 4.125%
HK$45,418
baseline
▲ 0.50% · 4.625%
HK$48,182
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,836/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,546
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,821
−HK$1,293/mo
Today · 4.125%
HK$50,114
baseline
▲ 0.50% · 4.625%
HK$52,756
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,228/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,286
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,881
−HK$1,621/mo
Today · 4.125%
HK$54,502
baseline
▲ 0.50% · 4.625%
HK$57,818
+HK$3,316/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,004/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,055
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,585
−HK$1,552/mo
Today · 4.125%
HK$60,137
baseline
▲ 0.50% · 4.625%
HK$63,307
+HK$3,170/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,274/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,833
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,694
−HK$1,891/mo
Today · 4.125%
HK$63,585
baseline
▲ 0.50% · 4.625%
HK$67,454
+HK$3,869/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,170/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,564
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,349
−HK$1,811/mo
Today · 4.125%
HK$70,160
baseline
▲ 0.50% · 4.625%
HK$73,858
+HK$3,698/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,320/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,928
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,321
−HK$2,431/mo
Today · 4.125%
HK$81,752
baseline
▲ 0.50% · 4.625%
HK$86,727
+HK$4,975/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,504/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,582
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,877
−HK$2,329/mo
Today · 4.125%
HK$90,206
baseline
▲ 0.50% · 4.625%
HK$94,961
+HK$4,755/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,412/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,848 · Scale 2, in force from 26 Feb 2026)