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$42,745
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,075
−HK$1,351/mo
Today · 4.125%
HK$45,426
baseline
▲ 0.50% · 4.625%
HK$48,190
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,852/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$702,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,554
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,829
−HK$1,294/mo
Today · 4.125%
HK$50,123
baseline
▲ 0.50% · 4.625%
HK$52,765
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,246/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$702,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,294
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,890
−HK$1,621/mo
Today · 4.125%
HK$54,511
baseline
▲ 0.50% · 4.625%
HK$57,828
+HK$3,317/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,022/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,064
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,595
−HK$1,552/mo
Today · 4.125%
HK$60,147
baseline
▲ 0.50% · 4.625%
HK$63,318
+HK$3,171/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,294/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,843
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,705
−HK$1,891/mo
Today · 4.125%
HK$63,596
baseline
▲ 0.50% · 4.625%
HK$67,466
+HK$3,870/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,192/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,575
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,361
−HK$1,811/mo
Today · 4.125%
HK$70,172
baseline
▲ 0.50% · 4.625%
HK$73,871
+HK$3,699/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,344/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,942
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,335
−HK$2,431/mo
Today · 4.125%
HK$81,766
baseline
▲ 0.50% · 4.625%
HK$86,742
+HK$4,976/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,532/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,597
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,892
−HK$2,329/mo
Today · 4.125%
HK$90,221
baseline
▲ 0.50% · 4.625%
HK$94,977
+HK$4,756/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,442/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,969 · Scale 2, in force from 26 Feb 2026)