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$43,336
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,684
−HK$1,369/mo
Today · 4.125%
HK$46,053
baseline
▲ 0.50% · 4.625%
HK$48,856
+HK$2,803/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,106/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,211
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,504
−HK$1,311/mo
Today · 4.125%
HK$50,815
baseline
▲ 0.50% · 4.625%
HK$53,494
+HK$2,679/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,630/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,003
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,621
−HK$1,643/mo
Today · 4.125%
HK$55,264
baseline
▲ 0.50% · 4.625%
HK$58,627
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,528/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,853
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,404
−HK$1,574/mo
Today · 4.125%
HK$60,978
baseline
▲ 0.50% · 4.625%
HK$64,193
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,956/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,670
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,557
−HK$1,918/mo
Today · 4.125%
HK$64,475
baseline
▲ 0.50% · 4.625%
HK$68,398
+HK$3,923/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,950/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,495
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,305
−HK$1,837/mo
Today · 4.125%
HK$71,142
baseline
▲ 0.50% · 4.625%
HK$74,891
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,284/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,005
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,431
−HK$2,465/mo
Today · 4.125%
HK$82,896
baseline
▲ 0.50% · 4.625%
HK$87,940
+HK$5,044/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,792/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,779
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,107
−HK$2,361/mo
Today · 4.125%
HK$91,468
baseline
▲ 0.50% · 4.625%
HK$96,289
+HK$4,821/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,936/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,681 · Scale 2, in force from 26 Feb 2026)