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$41,031
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,307
−HK$1,297/mo
Today · 4.125%
HK$43,604
baseline
▲ 0.50% · 4.625%
HK$46,257
+HK$2,653/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,208/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,646
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,871
−HK$1,241/mo
Today · 4.125%
HK$48,112
baseline
▲ 0.50% · 4.625%
HK$50,649
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,224/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,237
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,769
−HK$1,556/mo
Today · 4.125%
HK$52,325
baseline
▲ 0.50% · 4.625%
HK$55,508
+HK$3,183/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,650/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,776
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,245
−HK$1,490/mo
Today · 4.125%
HK$57,735
baseline
▲ 0.50% · 4.625%
HK$60,778
+HK$3,043/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,470/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,443
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,230
−HK$1,815/mo
Today · 4.125%
HK$61,045
baseline
▲ 0.50% · 4.625%
HK$64,760
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,090/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,905
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,619
−HK$1,738/mo
Today · 4.125%
HK$67,357
baseline
▲ 0.50% · 4.625%
HK$70,908
+HK$3,551/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,714/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,855
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,153
−HK$2,334/mo
Today · 4.125%
HK$78,487
baseline
▲ 0.50% · 4.625%
HK$83,263
+HK$4,776/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,974/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,163
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,367
−HK$2,235/mo
Today · 4.125%
HK$86,602
baseline
▲ 0.50% · 4.625%
HK$91,167
+HK$4,565/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,204/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,773 · Scale 2, in force from 26 Feb 2026)