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$42,766
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,096
−HK$1,351/mo
Today · 4.125%
HK$45,447
baseline
▲ 0.50% · 4.625%
HK$48,213
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,894/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,576
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,852
−HK$1,295/mo
Today · 4.125%
HK$50,147
baseline
▲ 0.50% · 4.625%
HK$52,790
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,294/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,319
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,915
−HK$1,622/mo
Today · 4.125%
HK$54,537
baseline
▲ 0.50% · 4.625%
HK$57,855
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,074/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,092
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,623
−HK$1,553/mo
Today · 4.125%
HK$60,176
baseline
▲ 0.50% · 4.625%
HK$63,348
+HK$3,172/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,352/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,872
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,734
−HK$1,892/mo
Today · 4.125%
HK$63,626
baseline
▲ 0.50% · 4.625%
HK$67,498
+HK$3,872/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,252/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,607
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,393
−HK$1,812/mo
Today · 4.125%
HK$70,205
baseline
▲ 0.50% · 4.625%
HK$73,906
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,410/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,978
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,373
−HK$2,432/mo
Today · 4.125%
HK$81,805
baseline
▲ 0.50% · 4.625%
HK$86,783
+HK$4,978/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,610/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,637
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,934
−HK$2,330/mo
Today · 4.125%
HK$90,264
baseline
▲ 0.50% · 4.625%
HK$95,022
+HK$4,758/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,528/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,303 · Scale 2, in force from 26 Feb 2026)