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$43,321
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,669
−HK$1,369/mo
Today · 4.125%
HK$46,038
baseline
▲ 0.50% · 4.625%
HK$48,839
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,076/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,194
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,487
−HK$1,311/mo
Today · 4.125%
HK$50,798
baseline
▲ 0.50% · 4.625%
HK$53,476
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,596/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,985
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,602
−HK$1,643/mo
Today · 4.125%
HK$55,245
baseline
▲ 0.50% · 4.625%
HK$58,607
+HK$3,362/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,490/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,833
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,384
−HK$1,574/mo
Today · 4.125%
HK$60,958
baseline
▲ 0.50% · 4.625%
HK$64,171
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,916/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,649
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,536
−HK$1,917/mo
Today · 4.125%
HK$64,453
baseline
▲ 0.50% · 4.625%
HK$68,375
+HK$3,922/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,906/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,472
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,281
−HK$1,836/mo
Today · 4.125%
HK$71,117
baseline
▲ 0.50% · 4.625%
HK$74,866
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,234/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,978
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,403
−HK$2,465/mo
Today · 4.125%
HK$82,868
baseline
▲ 0.50% · 4.625%
HK$87,910
+HK$5,042/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,736/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,750
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,076
−HK$2,360/mo
Today · 4.125%
HK$91,436
baseline
▲ 0.50% · 4.625%
HK$96,256
+HK$4,820/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,872/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,437 · Scale 2, in force from 26 Feb 2026)