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$42,779
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,110
−HK$1,352/mo
Today · 4.125%
HK$45,462
baseline
▲ 0.50% · 4.625%
HK$48,228
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,924/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,591
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,868
−HK$1,295/mo
Today · 4.125%
HK$50,163
baseline
▲ 0.50% · 4.625%
HK$52,807
+HK$2,644/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,326/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,335
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,932
−HK$1,622/mo
Today · 4.125%
HK$54,554
baseline
▲ 0.50% · 4.625%
HK$57,874
+HK$3,320/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,108/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,110
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,641
−HK$1,554/mo
Today · 4.125%
HK$60,195
baseline
▲ 0.50% · 4.625%
HK$63,368
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,390/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,891
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,754
−HK$1,892/mo
Today · 4.125%
HK$63,646
baseline
▲ 0.50% · 4.625%
HK$67,519
+HK$3,873/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,292/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,628
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,415
−HK$1,813/mo
Today · 4.125%
HK$70,228
baseline
▲ 0.50% · 4.625%
HK$73,929
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,456/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,002
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,398
−HK$2,433/mo
Today · 4.125%
HK$81,831
baseline
▲ 0.50% · 4.625%
HK$86,810
+HK$4,979/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,662/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,664
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,962
−HK$2,331/mo
Today · 4.125%
HK$90,293
baseline
▲ 0.50% · 4.625%
HK$95,052
+HK$4,759/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,586/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,526 · Scale 2, in force from 26 Feb 2026)