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$41,042
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,319
−HK$1,297/mo
Today · 4.125%
HK$43,616
baseline
▲ 0.50% · 4.625%
HK$46,270
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,232/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,659
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,884
−HK$1,242/mo
Today · 4.125%
HK$48,126
baseline
▲ 0.50% · 4.625%
HK$50,663
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,252/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,251
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,783
−HK$1,556/mo
Today · 4.125%
HK$52,339
baseline
▲ 0.50% · 4.625%
HK$55,524
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,678/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,791
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,261
−HK$1,490/mo
Today · 4.125%
HK$57,751
baseline
▲ 0.50% · 4.625%
HK$60,795
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,502/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,459
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,247
−HK$1,816/mo
Today · 4.125%
HK$61,063
baseline
▲ 0.50% · 4.625%
HK$64,778
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,126/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,923
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,637
−HK$1,739/mo
Today · 4.125%
HK$67,376
baseline
▲ 0.50% · 4.625%
HK$70,928
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,752/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,876
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,174
−HK$2,335/mo
Today · 4.125%
HK$78,509
baseline
▲ 0.50% · 4.625%
HK$83,286
+HK$4,777/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,018/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,187
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,391
−HK$2,236/mo
Today · 4.125%
HK$86,627
baseline
▲ 0.50% · 4.625%
HK$91,193
+HK$4,566/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,254/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,964 · Scale 2, in force from 26 Feb 2026)