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$42,199
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,512
−HK$1,333/mo
Today · 4.125%
HK$44,845
baseline
▲ 0.50% · 4.625%
HK$47,574
+HK$2,729/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,690/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,946
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,205
−HK$1,277/mo
Today · 4.125%
HK$49,482
baseline
▲ 0.50% · 4.625%
HK$52,091
+HK$2,609/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,964/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,639
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,214
−HK$1,600/mo
Today · 4.125%
HK$53,814
baseline
▲ 0.50% · 4.625%
HK$57,089
+HK$3,275/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,628/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,335
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,846
−HK$1,533/mo
Today · 4.125%
HK$59,379
baseline
▲ 0.50% · 4.625%
HK$62,509
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,758/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,079
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,916
−HK$1,867/mo
Today · 4.125%
HK$62,783
baseline
▲ 0.50% · 4.625%
HK$66,604
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,566/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,724
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,487
−HK$1,788/mo
Today · 4.125%
HK$69,275
baseline
▲ 0.50% · 4.625%
HK$72,927
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,550/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,958
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,321
−HK$2,401/mo
Today · 4.125%
HK$80,722
baseline
▲ 0.50% · 4.625%
HK$85,633
+HK$4,911/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,444/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,503
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,769
−HK$2,299/mo
Today · 4.125%
HK$89,068
baseline
▲ 0.50% · 4.625%
HK$93,763
+HK$4,695/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,136/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,986 · Scale 2, in force from 26 Feb 2026)