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$42,768
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,098
−HK$1,352/mo
Today · 4.125%
HK$45,450
baseline
▲ 0.50% · 4.625%
HK$48,216
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,900/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,579
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,855
−HK$1,295/mo
Today · 4.125%
HK$50,150
baseline
▲ 0.50% · 4.625%
HK$52,793
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,300/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,322
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,918
−HK$1,622/mo
Today · 4.125%
HK$54,540
baseline
▲ 0.50% · 4.625%
HK$57,859
+HK$3,319/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,080/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,095
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,626
−HK$1,554/mo
Today · 4.125%
HK$60,180
baseline
▲ 0.50% · 4.625%
HK$63,352
+HK$3,172/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,360/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,875
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,738
−HK$1,892/mo
Today · 4.125%
HK$63,630
baseline
▲ 0.50% · 4.625%
HK$67,502
+HK$3,872/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,260/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,611
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,397
−HK$1,812/mo
Today · 4.125%
HK$70,209
baseline
▲ 0.50% · 4.625%
HK$73,910
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,418/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,983
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,377
−HK$2,433/mo
Today · 4.125%
HK$81,810
baseline
▲ 0.50% · 4.625%
HK$86,788
+HK$4,978/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,620/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,642
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,939
−HK$2,330/mo
Today · 4.125%
HK$90,269
baseline
▲ 0.50% · 4.625%
HK$95,028
+HK$4,759/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,538/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,344 · Scale 2, in force from 26 Feb 2026)