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$42,726
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,055
−HK$1,351/mo
Today · 4.125%
HK$45,406
baseline
▲ 0.50% · 4.625%
HK$48,169
+HK$2,763/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,812/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,533
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,808
−HK$1,293/mo
Today · 4.125%
HK$50,101
baseline
▲ 0.50% · 4.625%
HK$52,742
+HK$2,641/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,202/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,272
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,867
−HK$1,620/mo
Today · 4.125%
HK$54,487
baseline
▲ 0.50% · 4.625%
HK$57,802
+HK$3,315/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$108,974/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,039
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,569
−HK$1,552/mo
Today · 4.125%
HK$60,121
baseline
▲ 0.50% · 4.625%
HK$63,290
+HK$3,169/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$120,242/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,817
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,678
−HK$1,890/mo
Today · 4.125%
HK$63,568
baseline
▲ 0.50% · 4.625%
HK$67,436
+HK$3,868/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,136/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,546
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,331
−HK$1,810/mo
Today · 4.125%
HK$70,141
baseline
▲ 0.50% · 4.625%
HK$73,838
+HK$3,697/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,282/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$702,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,908
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,300
−HK$2,430/mo
Today · 4.125%
HK$81,730
baseline
▲ 0.50% · 4.625%
HK$86,703
+HK$4,973/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$163,460/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,559
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,854
−HK$2,327/mo
Today · 4.125%
HK$90,181
baseline
▲ 0.50% · 4.625%
HK$94,935
+HK$4,754/mo
Deposit HK$1.87M · loan HK$16.86M · min. income ≈ HK$180,362/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,659 · Scale 2, in force from 26 Feb 2026)