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$42,782
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,113
−HK$1,352/mo
Today · 4.125%
HK$45,465
baseline
▲ 0.50% · 4.625%
HK$48,232
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,930/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,595
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,871
−HK$1,295/mo
Today · 4.125%
HK$50,166
baseline
▲ 0.50% · 4.625%
HK$52,811
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,332/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,339
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,936
−HK$1,622/mo
Today · 4.125%
HK$54,558
baseline
▲ 0.50% · 4.625%
HK$57,878
+HK$3,320/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,116/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,114
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,646
−HK$1,554/mo
Today · 4.125%
HK$60,200
baseline
▲ 0.50% · 4.625%
HK$63,373
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,400/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,895
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,758
−HK$1,893/mo
Today · 4.125%
HK$63,651
baseline
▲ 0.50% · 4.625%
HK$67,524
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,302/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,633
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,420
−HK$1,813/mo
Today · 4.125%
HK$70,233
baseline
▲ 0.50% · 4.625%
HK$73,935
+HK$3,702/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,466/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,008
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,404
−HK$2,433/mo
Today · 4.125%
HK$81,837
baseline
▲ 0.50% · 4.625%
HK$86,817
+HK$4,980/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,674/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,671
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,969
−HK$2,330/mo
Today · 4.125%
HK$90,299
baseline
▲ 0.50% · 4.625%
HK$95,059
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,598/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,579 · Scale 2, in force from 26 Feb 2026)