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$42,392
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,711
−HK$1,339/mo
Today · 4.125%
HK$45,050
baseline
▲ 0.50% · 4.625%
HK$47,792
+HK$2,742/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,100/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,161
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,425
−HK$1,284/mo
Today · 4.125%
HK$49,709
baseline
▲ 0.50% · 4.625%
HK$52,329
+HK$2,620/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,418/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,870
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,453
−HK$1,607/mo
Today · 4.125%
HK$54,060
baseline
▲ 0.50% · 4.625%
HK$57,350
+HK$3,290/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$108,120/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,593
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,111
−HK$1,539/mo
Today · 4.125%
HK$59,650
baseline
▲ 0.50% · 4.625%
HK$62,795
+HK$3,145/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$119,300/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,349
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,195
−HK$1,875/mo
Today · 4.125%
HK$63,070
baseline
▲ 0.50% · 4.625%
HK$66,908
+HK$3,838/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,140/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,025
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,796
−HK$1,796/mo
Today · 4.125%
HK$69,592
baseline
▲ 0.50% · 4.625%
HK$73,260
+HK$3,668/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,184/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,306
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,679
−HK$2,412/mo
Today · 4.125%
HK$81,091
baseline
▲ 0.50% · 4.625%
HK$86,025
+HK$4,934/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,182/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,889
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,166
−HK$2,309/mo
Today · 4.125%
HK$89,475
baseline
▲ 0.50% · 4.625%
HK$94,192
+HK$4,717/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,950/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,158 · Scale 2, in force from 26 Feb 2026)