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$42,777
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,108
−HK$1,351/mo
Today · 4.125%
HK$45,459
baseline
▲ 0.50% · 4.625%
HK$48,226
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,918/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,589
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,865
−HK$1,295/mo
Today · 4.125%
HK$50,160
baseline
▲ 0.50% · 4.625%
HK$52,804
+HK$2,644/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,320/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,332
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,929
−HK$1,622/mo
Today · 4.125%
HK$54,551
baseline
▲ 0.50% · 4.625%
HK$57,871
+HK$3,320/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,102/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,107
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,638
−HK$1,554/mo
Today · 4.125%
HK$60,192
baseline
▲ 0.50% · 4.625%
HK$63,365
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,384/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,888
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,751
−HK$1,892/mo
Today · 4.125%
HK$63,643
baseline
▲ 0.50% · 4.625%
HK$67,516
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,286/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,625
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,411
−HK$1,813/mo
Today · 4.125%
HK$70,224
baseline
▲ 0.50% · 4.625%
HK$73,926
+HK$3,702/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,448/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,999
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,394
−HK$2,433/mo
Today · 4.125%
HK$81,827
baseline
▲ 0.50% · 4.625%
HK$86,806
+HK$4,979/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,654/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,660
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,957
−HK$2,331/mo
Today · 4.125%
HK$90,288
baseline
▲ 0.50% · 4.625%
HK$95,047
+HK$4,759/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,576/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,490 · Scale 2, in force from 26 Feb 2026)