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$42,442
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,762
−HK$1,341/mo
Today · 4.125%
HK$45,103
baseline
▲ 0.50% · 4.625%
HK$47,847
+HK$2,744/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,206/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,216
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,482
−HK$1,285/mo
Today · 4.125%
HK$49,767
baseline
▲ 0.50% · 4.625%
HK$52,390
+HK$2,623/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,534/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,930
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,514
−HK$1,610/mo
Today · 4.125%
HK$54,124
baseline
▲ 0.50% · 4.625%
HK$57,417
+HK$3,293/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,248/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,659
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,179
−HK$1,541/mo
Today · 4.125%
HK$59,720
baseline
▲ 0.50% · 4.625%
HK$62,868
+HK$3,148/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,440/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,418
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,266
−HK$1,878/mo
Today · 4.125%
HK$63,144
baseline
▲ 0.50% · 4.625%
HK$66,986
+HK$3,842/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,288/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,102
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,875
−HK$1,798/mo
Today · 4.125%
HK$69,673
baseline
▲ 0.50% · 4.625%
HK$73,346
+HK$3,673/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,346/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,395
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,771
−HK$2,414/mo
Today · 4.125%
HK$81,185
baseline
▲ 0.50% · 4.625%
HK$86,125
+HK$4,940/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,370/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,989
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,268
−HK$2,312/mo
Today · 4.125%
HK$89,580
baseline
▲ 0.50% · 4.625%
HK$94,302
+HK$4,722/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,160/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,974 · Scale 2, in force from 26 Feb 2026)