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$42,743
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,072
−HK$1,351/mo
Today · 4.125%
HK$45,423
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,846/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$702,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,826
−HK$1,294/mo
Today · 4.125%
HK$50,120
baseline
▲ 0.50% · 4.625%
HK$52,762
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,240/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$702,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,291
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,887
−HK$1,621/mo
Today · 4.125%
HK$54,508
baseline
▲ 0.50% · 4.625%
HK$57,825
+HK$3,317/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,016/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,061
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,592
−HK$1,552/mo
Today · 4.125%
HK$60,144
baseline
▲ 0.50% · 4.625%
HK$63,314
+HK$3,170/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,288/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,840
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,701
−HK$1,892/mo
Today · 4.125%
HK$63,593
baseline
▲ 0.50% · 4.625%
HK$67,462
+HK$3,869/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,186/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,571
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,357
−HK$1,811/mo
Today · 4.125%
HK$70,168
baseline
▲ 0.50% · 4.625%
HK$73,867
+HK$3,699/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,336/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,937
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,330
−HK$2,432/mo
Today · 4.125%
HK$81,762
baseline
▲ 0.50% · 4.625%
HK$86,737
+HK$4,975/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,524/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,592
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,887
−HK$2,329/mo
Today · 4.125%
HK$90,216
baseline
▲ 0.50% · 4.625%
HK$94,972
+HK$4,756/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,432/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,929 · Scale 2, in force from 26 Feb 2026)