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$41,061
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,338
−HK$1,298/mo
Today · 4.125%
HK$43,636
baseline
▲ 0.50% · 4.625%
HK$46,291
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,272/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,680
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,905
−HK$1,243/mo
Today · 4.125%
HK$48,148
baseline
▲ 0.50% · 4.625%
HK$50,686
+HK$2,538/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,296/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,273
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,806
−HK$1,557/mo
Today · 4.125%
HK$52,363
baseline
▲ 0.50% · 4.625%
HK$55,550
+HK$3,187/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,726/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,816
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,286
−HK$1,492/mo
Today · 4.125%
HK$57,778
baseline
▲ 0.50% · 4.625%
HK$60,823
+HK$3,045/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,556/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,486
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,274
−HK$1,817/mo
Today · 4.125%
HK$61,091
baseline
▲ 0.50% · 4.625%
HK$64,808
+HK$3,717/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,182/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,952
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,667
−HK$1,740/mo
Today · 4.125%
HK$67,407
baseline
▲ 0.50% · 4.625%
HK$70,961
+HK$3,554/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,814/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,910
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,209
−HK$2,336/mo
Today · 4.125%
HK$78,545
baseline
▲ 0.50% · 4.625%
HK$83,324
+HK$4,779/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,090/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,224
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,430
−HK$2,237/mo
Today · 4.125%
HK$86,667
baseline
▲ 0.50% · 4.625%
HK$91,235
+HK$4,568/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,334/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,274 · Scale 2, in force from 26 Feb 2026)