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$43,327
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,675
−HK$1,369/mo
Today · 4.125%
HK$46,044
baseline
▲ 0.50% · 4.625%
HK$48,846
+HK$2,802/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,088/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,201
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,494
−HK$1,311/mo
Today · 4.125%
HK$50,805
baseline
▲ 0.50% · 4.625%
HK$53,483
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,610/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,993
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,610
−HK$1,643/mo
Today · 4.125%
HK$55,253
baseline
▲ 0.50% · 4.625%
HK$58,615
+HK$3,362/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,506/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,842
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,393
−HK$1,574/mo
Today · 4.125%
HK$60,967
baseline
▲ 0.50% · 4.625%
HK$64,180
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,934/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,658
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,545
−HK$1,917/mo
Today · 4.125%
HK$64,462
baseline
▲ 0.50% · 4.625%
HK$68,385
+HK$3,923/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,924/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,482
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,292
−HK$1,836/mo
Today · 4.125%
HK$71,128
baseline
▲ 0.50% · 4.625%
HK$74,877
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,256/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,989
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,415
−HK$2,465/mo
Today · 4.125%
HK$82,880
baseline
▲ 0.50% · 4.625%
HK$87,923
+HK$5,043/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,760/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,762
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,089
−HK$2,361/mo
Today · 4.125%
HK$91,450
baseline
▲ 0.50% · 4.625%
HK$96,270
+HK$4,820/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,900/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,542 · Scale 2, in force from 26 Feb 2026)