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$42,420
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,739
−HK$1,341/mo
Today · 4.125%
HK$45,080
baseline
▲ 0.50% · 4.625%
HK$47,823
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,160/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,192
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,457
−HK$1,284/mo
Today · 4.125%
HK$49,741
baseline
▲ 0.50% · 4.625%
HK$52,363
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,482/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,904
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,487
−HK$1,609/mo
Today · 4.125%
HK$54,096
baseline
▲ 0.50% · 4.625%
HK$57,388
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,192/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,630
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,149
−HK$1,541/mo
Today · 4.125%
HK$59,690
baseline
▲ 0.50% · 4.625%
HK$62,836
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,380/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,388
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,235
−HK$1,877/mo
Today · 4.125%
HK$63,112
baseline
▲ 0.50% · 4.625%
HK$66,952
+HK$3,840/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,224/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,069
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,840
−HK$1,798/mo
Today · 4.125%
HK$69,638
baseline
▲ 0.50% · 4.625%
HK$73,309
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,276/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,356
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,731
−HK$2,413/mo
Today · 4.125%
HK$81,144
baseline
▲ 0.50% · 4.625%
HK$86,082
+HK$4,938/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,288/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,945
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,223
−HK$2,312/mo
Today · 4.125%
HK$89,535
baseline
▲ 0.50% · 4.625%
HK$94,254
+HK$4,719/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,070/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,619 · Scale 2, in force from 26 Feb 2026)