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$42,761
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,091
−HK$1,352/mo
Today · 4.125%
HK$45,443
baseline
▲ 0.50% · 4.625%
HK$48,208
+HK$2,765/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,886/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,571
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,847
−HK$1,294/mo
Today · 4.125%
HK$50,141
baseline
▲ 0.50% · 4.625%
HK$52,784
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,282/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,313
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,909
−HK$1,622/mo
Today · 4.125%
HK$54,531
baseline
▲ 0.50% · 4.625%
HK$57,849
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,062/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,086
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,617
−HK$1,553/mo
Today · 4.125%
HK$60,170
baseline
▲ 0.50% · 4.625%
HK$63,341
+HK$3,171/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,340/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,865
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,728
−HK$1,892/mo
Today · 4.125%
HK$63,620
baseline
▲ 0.50% · 4.625%
HK$67,491
+HK$3,871/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,240/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,600
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,386
−HK$1,812/mo
Today · 4.125%
HK$70,198
baseline
▲ 0.50% · 4.625%
HK$73,898
+HK$3,700/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,396/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,970
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,364
−HK$2,433/mo
Today · 4.125%
HK$81,797
baseline
▲ 0.50% · 4.625%
HK$86,774
+HK$4,977/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,594/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,628
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,925
−HK$2,329/mo
Today · 4.125%
HK$90,254
baseline
▲ 0.50% · 4.625%
HK$95,012
+HK$4,758/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,508/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,228 · Scale 2, in force from 26 Feb 2026)