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$42,168
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,480
−HK$1,332/mo
Today · 4.125%
HK$44,812
baseline
▲ 0.50% · 4.625%
HK$47,539
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,624/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,911
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,170
−HK$1,276/mo
Today · 4.125%
HK$49,446
baseline
▲ 0.50% · 4.625%
HK$52,052
+HK$2,606/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,892/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,601
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,175
−HK$1,600/mo
Today · 4.125%
HK$53,775
baseline
▲ 0.50% · 4.625%
HK$57,047
+HK$3,272/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,550/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,294
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,803
−HK$1,532/mo
Today · 4.125%
HK$59,335
baseline
▲ 0.50% · 4.625%
HK$62,463
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,670/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,035
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,871
−HK$1,866/mo
Today · 4.125%
HK$62,737
baseline
▲ 0.50% · 4.625%
HK$66,555
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,474/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,676
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,437
−HK$1,787/mo
Today · 4.125%
HK$69,224
baseline
▲ 0.50% · 4.625%
HK$72,873
+HK$3,649/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,448/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,902
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,263
−HK$2,399/mo
Today · 4.125%
HK$80,662
baseline
▲ 0.50% · 4.625%
HK$85,570
+HK$4,908/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,324/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,440
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,705
−HK$2,298/mo
Today · 4.125%
HK$89,003
baseline
▲ 0.50% · 4.625%
HK$93,694
+HK$4,691/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$178,006/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,474 · Scale 2, in force from 26 Feb 2026)