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$42,759
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,089
−HK$1,351/mo
Today · 4.125%
HK$45,440
baseline
▲ 0.50% · 4.625%
HK$48,205
+HK$2,765/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,880/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,569
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,845
−HK$1,294/mo
Today · 4.125%
HK$50,139
baseline
▲ 0.50% · 4.625%
HK$52,782
+HK$2,643/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,278/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,311
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,907
−HK$1,621/mo
Today · 4.125%
HK$54,528
baseline
▲ 0.50% · 4.625%
HK$57,846
+HK$3,318/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,056/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,083
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,614
−HK$1,553/mo
Today · 4.125%
HK$60,167
baseline
▲ 0.50% · 4.625%
HK$63,338
+HK$3,171/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,334/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,863
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,725
−HK$1,892/mo
Today · 4.125%
HK$63,617
baseline
▲ 0.50% · 4.625%
HK$67,487
+HK$3,870/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$127,234/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,597
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,383
−HK$1,812/mo
Today · 4.125%
HK$70,195
baseline
▲ 0.50% · 4.625%
HK$73,895
+HK$3,700/mo
Deposit HK$5.63M · loan HK$13.13M · min. income ≈ HK$140,390/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,966
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,360
−HK$2,433/mo
Today · 4.125%
HK$81,793
baseline
▲ 0.50% · 4.625%
HK$86,770
+HK$4,977/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$163,586/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,624
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,921
−HK$2,329/mo
Today · 4.125%
HK$90,250
baseline
▲ 0.50% · 4.625%
HK$95,007
+HK$4,757/mo
Deposit HK$1.88M · loan HK$16.88M · min. income ≈ HK$180,500/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,195 · Scale 2, in force from 26 Feb 2026)