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$42,775
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,105
−HK$1,352/mo
Today · 4.125%
HK$45,457
baseline
▲ 0.50% · 4.625%
HK$48,223
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,914/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,586
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,863
−HK$1,294/mo
Today · 4.125%
HK$50,157
baseline
▲ 0.50% · 4.625%
HK$52,801
+HK$2,644/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,314/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,330
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,926
−HK$1,623/mo
Today · 4.125%
HK$54,549
baseline
▲ 0.50% · 4.625%
HK$57,868
+HK$3,319/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,098/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,104
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,635
−HK$1,554/mo
Today · 4.125%
HK$60,189
baseline
▲ 0.50% · 4.625%
HK$63,362
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,378/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,885
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,747
−HK$1,893/mo
Today · 4.125%
HK$63,640
baseline
▲ 0.50% · 4.625%
HK$67,512
+HK$3,872/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,280/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,621
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,408
−HK$1,812/mo
Today · 4.125%
HK$70,220
baseline
▲ 0.50% · 4.625%
HK$73,922
+HK$3,702/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,440/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,995
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,390
−HK$2,433/mo
Today · 4.125%
HK$81,823
baseline
▲ 0.50% · 4.625%
HK$86,802
+HK$4,979/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,646/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,656
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,953
−HK$2,330/mo
Today · 4.125%
HK$90,283
baseline
▲ 0.50% · 4.625%
HK$95,042
+HK$4,759/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,566/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,454 · Scale 2, in force from 26 Feb 2026)