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$42,776
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,107
−HK$1,352/mo
Today · 4.125%
HK$45,459
baseline
▲ 0.50% · 4.625%
HK$48,225
+HK$2,766/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$703,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,588
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,864
−HK$1,295/mo
Today · 4.125%
HK$50,159
baseline
▲ 0.50% · 4.625%
HK$52,803
+HK$2,644/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,318/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,331
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,928
−HK$1,622/mo
Today · 4.125%
HK$54,550
baseline
▲ 0.50% · 4.625%
HK$57,870
+HK$3,320/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,100/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,106
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,637
−HK$1,554/mo
Today · 4.125%
HK$60,191
baseline
▲ 0.50% · 4.625%
HK$63,364
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,382/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,887
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,750
−HK$1,892/mo
Today · 4.125%
HK$63,642
baseline
▲ 0.50% · 4.625%
HK$67,515
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,284/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,623
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,410
−HK$1,813/mo
Today · 4.125%
HK$70,223
baseline
▲ 0.50% · 4.625%
HK$73,924
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,446/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,997
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,392
−HK$2,434/mo
Today · 4.125%
HK$81,826
baseline
▲ 0.50% · 4.625%
HK$86,804
+HK$4,978/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,652/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,659
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,956
−HK$2,330/mo
Today · 4.125%
HK$90,286
baseline
▲ 0.50% · 4.625%
HK$95,046
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,572/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,477 · Scale 2, in force from 26 Feb 2026)