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$43,347
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,696
−HK$1,370/mo
Today · 4.125%
HK$46,066
baseline
▲ 0.50% · 4.625%
HK$48,869
+HK$2,803/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,132/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,224
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,517
−HK$1,312/mo
Today · 4.125%
HK$50,829
baseline
▲ 0.50% · 4.625%
HK$53,508
+HK$2,679/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,658/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,017
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,635
−HK$1,644/mo
Today · 4.125%
HK$55,279
baseline
▲ 0.50% · 4.625%
HK$58,642
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$110,558/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,868
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,420
−HK$1,575/mo
Today · 4.125%
HK$60,995
baseline
▲ 0.50% · 4.625%
HK$64,210
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$121,990/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,686
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,574
−HK$1,918/mo
Today · 4.125%
HK$64,492
baseline
▲ 0.50% · 4.625%
HK$68,416
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,984/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,513
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,324
−HK$1,837/mo
Today · 4.125%
HK$71,161
baseline
▲ 0.50% · 4.625%
HK$74,912
+HK$3,751/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,322/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,025
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,452
−HK$2,466/mo
Today · 4.125%
HK$82,918
baseline
▲ 0.50% · 4.625%
HK$87,964
+HK$5,046/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,836/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,802
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,130
−HK$2,362/mo
Today · 4.125%
HK$91,492
baseline
▲ 0.50% · 4.625%
HK$96,315
+HK$4,823/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,984/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,871 · Scale 2, in force from 26 Feb 2026)