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$42,757
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,087
−HK$1,351/mo
Today · 4.125%
HK$45,438
baseline
▲ 0.50% · 4.625%
HK$48,203
+HK$2,765/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,876/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,567
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,843
−HK$1,294/mo
Today · 4.125%
HK$50,137
baseline
▲ 0.50% · 4.625%
HK$52,780
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,274/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,309
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,905
−HK$1,621/mo
Today · 4.125%
HK$54,526
baseline
▲ 0.50% · 4.625%
HK$57,844
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,052/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,080
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,611
−HK$1,553/mo
Today · 4.125%
HK$60,164
baseline
▲ 0.50% · 4.625%
HK$63,336
+HK$3,172/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,328/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,860
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,722
−HK$1,892/mo
Today · 4.125%
HK$63,614
baseline
▲ 0.50% · 4.625%
HK$67,485
+HK$3,871/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,228/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,594
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,380
−HK$1,812/mo
Today · 4.125%
HK$70,192
baseline
▲ 0.50% · 4.625%
HK$73,892
+HK$3,700/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,384/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,963
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,357
−HK$2,432/mo
Today · 4.125%
HK$81,789
baseline
▲ 0.50% · 4.625%
HK$86,766
+HK$4,977/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,578/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,621
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,917
−HK$2,329/mo
Today · 4.125%
HK$90,246
baseline
▲ 0.50% · 4.625%
HK$95,003
+HK$4,757/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,492/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,166 · Scale 2, in force from 26 Feb 2026)