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$42,762
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,092
−HK$1,351/mo
Today · 4.125%
HK$45,443
baseline
▲ 0.50% · 4.625%
HK$48,209
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,886/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,572
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,848
−HK$1,294/mo
Today · 4.125%
HK$50,142
baseline
▲ 0.50% · 4.625%
HK$52,785
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,284/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,314
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,910
−HK$1,622/mo
Today · 4.125%
HK$54,532
baseline
▲ 0.50% · 4.625%
HK$57,850
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,064/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,087
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,618
−HK$1,553/mo
Today · 4.125%
HK$60,171
baseline
▲ 0.50% · 4.625%
HK$63,342
+HK$3,171/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,342/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,867
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,729
−HK$1,892/mo
Today · 4.125%
HK$63,621
baseline
▲ 0.50% · 4.625%
HK$67,492
+HK$3,871/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,242/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,601
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,387
−HK$1,812/mo
Today · 4.125%
HK$70,199
baseline
▲ 0.50% · 4.625%
HK$73,900
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,398/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,971
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,366
−HK$2,432/mo
Today · 4.125%
HK$81,798
baseline
▲ 0.50% · 4.625%
HK$86,775
+HK$4,977/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,596/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,630
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,926
−HK$2,330/mo
Today · 4.125%
HK$90,256
baseline
▲ 0.50% · 4.625%
HK$95,014
+HK$4,758/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,512/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,241 · Scale 2, in force from 26 Feb 2026)