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$42,765
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,095
−HK$1,351/mo
Today · 4.125%
HK$45,446
baseline
▲ 0.50% · 4.625%
HK$48,212
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,892/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,575
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,851
−HK$1,295/mo
Today · 4.125%
HK$50,146
baseline
▲ 0.50% · 4.625%
HK$52,789
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,292/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,318
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,914
−HK$1,622/mo
Today · 4.125%
HK$54,536
baseline
▲ 0.50% · 4.625%
HK$57,854
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,072/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,090
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,621
−HK$1,554/mo
Today · 4.125%
HK$60,175
baseline
▲ 0.50% · 4.625%
HK$63,347
+HK$3,172/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,350/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,871
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,733
−HK$1,892/mo
Today · 4.125%
HK$63,625
baseline
▲ 0.50% · 4.625%
HK$67,496
+HK$3,871/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,250/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,605
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,392
−HK$1,812/mo
Today · 4.125%
HK$70,204
baseline
▲ 0.50% · 4.625%
HK$73,904
+HK$3,700/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,408/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,976
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,371
−HK$2,432/mo
Today · 4.125%
HK$81,803
baseline
▲ 0.50% · 4.625%
HK$86,781
+HK$4,978/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,606/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,635
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,932
−HK$2,330/mo
Today · 4.125%
HK$90,262
baseline
▲ 0.50% · 4.625%
HK$95,020
+HK$4,758/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,524/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,287 · Scale 2, in force from 26 Feb 2026)