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$42,775
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,106
−HK$1,352/mo
Today · 4.125%
HK$45,458
baseline
▲ 0.50% · 4.625%
HK$48,224
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,916/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,587
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,864
−HK$1,294/mo
Today · 4.125%
HK$50,158
baseline
▲ 0.50% · 4.625%
HK$52,802
+HK$2,644/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,316/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,331
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,927
−HK$1,622/mo
Today · 4.125%
HK$54,549
baseline
▲ 0.50% · 4.625%
HK$57,869
+HK$3,320/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,098/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,105
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,636
−HK$1,554/mo
Today · 4.125%
HK$60,190
baseline
▲ 0.50% · 4.625%
HK$63,363
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,380/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,886
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,748
−HK$1,893/mo
Today · 4.125%
HK$63,641
baseline
▲ 0.50% · 4.625%
HK$67,513
+HK$3,872/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,282/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,622
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,409
−HK$1,813/mo
Today · 4.125%
HK$70,222
baseline
▲ 0.50% · 4.625%
HK$73,923
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,444/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,996
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,391
−HK$2,433/mo
Today · 4.125%
HK$81,824
baseline
▲ 0.50% · 4.625%
HK$86,803
+HK$4,979/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,648/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,657
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,954
−HK$2,331/mo
Today · 4.125%
HK$90,285
baseline
▲ 0.50% · 4.625%
HK$95,044
+HK$4,759/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,570/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,465 · Scale 2, in force from 26 Feb 2026)