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$43,318
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,665
−HK$1,369/mo
Today · 4.125%
HK$46,034
baseline
▲ 0.50% · 4.625%
HK$48,835
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,068/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,190
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,483
−HK$1,311/mo
Today · 4.125%
HK$50,794
baseline
▲ 0.50% · 4.625%
HK$53,471
+HK$2,677/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,588/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,981
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,598
−HK$1,643/mo
Today · 4.125%
HK$55,241
baseline
▲ 0.50% · 4.625%
HK$58,602
+HK$3,361/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,482/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,828
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,379
−HK$1,574/mo
Today · 4.125%
HK$60,953
baseline
▲ 0.50% · 4.625%
HK$64,166
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,906/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,645
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,531
−HK$1,917/mo
Today · 4.125%
HK$64,448
baseline
▲ 0.50% · 4.625%
HK$68,369
+HK$3,921/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,896/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,466
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,276
−HK$1,835/mo
Today · 4.125%
HK$71,111
baseline
▲ 0.50% · 4.625%
HK$74,860
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,222/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,972
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,397
−HK$2,464/mo
Today · 4.125%
HK$82,861
baseline
▲ 0.50% · 4.625%
HK$87,903
+HK$5,042/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,722/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,743
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,069
−HK$2,360/mo
Today · 4.125%
HK$91,429
baseline
▲ 0.50% · 4.625%
HK$96,248
+HK$4,819/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,858/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,380 · Scale 2, in force from 26 Feb 2026)