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$42,734
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,063
−HK$1,351/mo
Today · 4.125%
HK$45,414
baseline
▲ 0.50% · 4.625%
HK$48,177
+HK$2,763/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,828/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,541
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,816
−HK$1,294/mo
Today · 4.125%
HK$50,110
baseline
▲ 0.50% · 4.625%
HK$52,751
+HK$2,641/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,220/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,281
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,876
−HK$1,621/mo
Today · 4.125%
HK$54,497
baseline
▲ 0.50% · 4.625%
HK$57,813
+HK$3,316/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$108,994/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,050
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,580
−HK$1,552/mo
Today · 4.125%
HK$60,132
baseline
▲ 0.50% · 4.625%
HK$63,301
+HK$3,169/mo
Deposit HK$7.50M · loan HK$11.24M · min. income ≈ HK$120,264/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,828
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,689
−HK$1,891/mo
Today · 4.125%
HK$63,580
baseline
▲ 0.50% · 4.625%
HK$67,448
+HK$3,868/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,160/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,558
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,343
−HK$1,811/mo
Today · 4.125%
HK$70,154
baseline
▲ 0.50% · 4.625%
HK$73,852
+HK$3,698/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,308/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,922
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,314
−HK$2,431/mo
Today · 4.125%
HK$81,745
baseline
▲ 0.50% · 4.625%
HK$86,719
+HK$4,974/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,490/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,574
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,870
−HK$2,328/mo
Today · 4.125%
HK$90,198
baseline
▲ 0.50% · 4.625%
HK$94,952
+HK$4,754/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,396/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,786 · Scale 2, in force from 26 Feb 2026)