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$42,407
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,726
−HK$1,340/mo
Today · 4.125%
HK$45,066
baseline
▲ 0.50% · 4.625%
HK$47,808
+HK$2,742/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,132/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,177
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,442
−HK$1,284/mo
Today · 4.125%
HK$49,726
baseline
▲ 0.50% · 4.625%
HK$52,347
+HK$2,621/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,452/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,888
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,471
−HK$1,608/mo
Today · 4.125%
HK$54,079
baseline
▲ 0.50% · 4.625%
HK$57,370
+HK$3,291/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,158/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,612
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,131
−HK$1,540/mo
Today · 4.125%
HK$59,671
baseline
▲ 0.50% · 4.625%
HK$62,816
+HK$3,145/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,342/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,369
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,216
−HK$1,876/mo
Today · 4.125%
HK$63,092
baseline
▲ 0.50% · 4.625%
HK$66,931
+HK$3,839/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,184/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,048
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,819
−HK$1,797/mo
Today · 4.125%
HK$69,616
baseline
▲ 0.50% · 4.625%
HK$73,286
+HK$3,670/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,232/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,332
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,706
−HK$2,413/mo
Today · 4.125%
HK$81,119
baseline
▲ 0.50% · 4.625%
HK$86,054
+HK$4,935/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,238/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,918
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,196
−HK$2,310/mo
Today · 4.125%
HK$89,506
baseline
▲ 0.50% · 4.625%
HK$94,224
+HK$4,718/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,012/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,399 · Scale 2, in force from 26 Feb 2026)