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$42,177
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,488
−HK$1,333/mo
Today · 4.125%
HK$44,821
baseline
▲ 0.50% · 4.625%
HK$47,549
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,642/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,921
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,179
−HK$1,277/mo
Today · 4.125%
HK$49,456
baseline
▲ 0.50% · 4.625%
HK$52,063
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,912/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,612
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,186
−HK$1,600/mo
Today · 4.125%
HK$53,786
baseline
▲ 0.50% · 4.625%
HK$57,058
+HK$3,272/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,572/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,305
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,815
−HK$1,532/mo
Today · 4.125%
HK$59,347
baseline
▲ 0.50% · 4.625%
HK$62,475
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,694/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,047
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,884
−HK$1,866/mo
Today · 4.125%
HK$62,750
baseline
▲ 0.50% · 4.625%
HK$66,568
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,500/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,689
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,451
−HK$1,787/mo
Today · 4.125%
HK$69,238
baseline
▲ 0.50% · 4.625%
HK$72,888
+HK$3,650/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,476/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,918
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,279
−HK$2,399/mo
Today · 4.125%
HK$80,678
baseline
▲ 0.50% · 4.625%
HK$85,588
+HK$4,910/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,356/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,458
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,723
−HK$2,298/mo
Today · 4.125%
HK$89,021
baseline
▲ 0.50% · 4.625%
HK$93,713
+HK$4,692/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,042/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,616 · Scale 2, in force from 26 Feb 2026)