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$2,682/mo
▼ 0.25% · 3.875%
HK$44,109
−HK$1,352/mo
Today · 4.125%
HK$45,461
baseline
▲ 0.50% · 4.625%
HK$48,227
+HK$2,766/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,922/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,591
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,867
−HK$1,295/mo
Today · 4.125%
HK$50,162
baseline
▲ 0.50% · 4.625%
HK$52,806
+HK$2,644/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,324/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,334
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,931
−HK$1,622/mo
Today · 4.125%
HK$54,553
baseline
▲ 0.50% · 4.625%
HK$57,873
+HK$3,320/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$109,106/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,109
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,641
−HK$1,553/mo
Today · 4.125%
HK$60,194
baseline
▲ 0.50% · 4.625%
HK$63,367
+HK$3,173/mo
Deposit HK$7.50M · loan HK$11.26M · min. income ≈ HK$120,388/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,890
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,753
−HK$1,893/mo
Today · 4.125%
HK$63,646
baseline
▲ 0.50% · 4.625%
HK$67,518
+HK$3,872/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$703,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,627
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,414
−HK$1,813/mo
Today · 4.125%
HK$70,227
baseline
▲ 0.50% · 4.625%
HK$73,928
+HK$3,701/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,454/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,001
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,397
−HK$2,433/mo
Today · 4.125%
HK$81,830
baseline
▲ 0.50% · 4.625%
HK$86,809
+HK$4,979/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,660/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,663
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,961
−HK$2,330/mo
Today · 4.125%
HK$90,291
baseline
▲ 0.50% · 4.625%
HK$95,051
+HK$4,760/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,582/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,516 · Scale 2, in force from 26 Feb 2026)