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$43,339
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,687
−HK$1,369/mo
Today · 4.125%
HK$46,056
baseline
▲ 0.50% · 4.625%
HK$48,859
+HK$2,803/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,112/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,214
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,507
−HK$1,312/mo
Today · 4.125%
HK$50,819
baseline
▲ 0.50% · 4.625%
HK$53,497
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,638/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,006
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,624
−HK$1,644/mo
Today · 4.125%
HK$55,268
baseline
▲ 0.50% · 4.625%
HK$58,631
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,536/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,857
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,408
−HK$1,575/mo
Today · 4.125%
HK$60,983
baseline
▲ 0.50% · 4.625%
HK$64,197
+HK$3,214/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,966/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,674
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,562
−HK$1,917/mo
Today · 4.125%
HK$64,479
baseline
▲ 0.50% · 4.625%
HK$68,402
+HK$3,923/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,958/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,499
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,310
−HK$1,836/mo
Today · 4.125%
HK$71,146
baseline
▲ 0.50% · 4.625%
HK$74,896
+HK$3,750/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,292/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,010
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,436
−HK$2,466/mo
Today · 4.125%
HK$82,902
baseline
▲ 0.50% · 4.625%
HK$87,946
+HK$5,044/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,804/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,785
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,113
−HK$2,361/mo
Today · 4.125%
HK$91,474
baseline
▲ 0.50% · 4.625%
HK$96,295
+HK$4,821/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,948/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,729 · Scale 2, in force from 26 Feb 2026)