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$41,057
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,334
−HK$1,297/mo
Today · 4.125%
HK$43,631
baseline
▲ 0.50% · 4.625%
HK$46,286
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,262/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,675
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,900
−HK$1,243/mo
Today · 4.125%
HK$48,143
baseline
▲ 0.50% · 4.625%
HK$50,681
+HK$2,538/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,286/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,268
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,801
−HK$1,557/mo
Today · 4.125%
HK$52,358
baseline
▲ 0.50% · 4.625%
HK$55,544
+HK$3,186/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,716/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,810
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,280
−HK$1,492/mo
Today · 4.125%
HK$57,772
baseline
▲ 0.50% · 4.625%
HK$60,817
+HK$3,045/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,544/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,480
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,267
−HK$1,817/mo
Today · 4.125%
HK$61,084
baseline
▲ 0.50% · 4.625%
HK$64,801
+HK$3,717/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,168/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,945
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,660
−HK$1,740/mo
Today · 4.125%
HK$67,400
baseline
▲ 0.50% · 4.625%
HK$70,953
+HK$3,553/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,800/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,902
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,201
−HK$2,336/mo
Today · 4.125%
HK$78,537
baseline
▲ 0.50% · 4.625%
HK$83,315
+HK$4,778/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,074/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,216
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,420
−HK$2,237/mo
Today · 4.125%
HK$86,657
baseline
▲ 0.50% · 4.625%
HK$91,225
+HK$4,568/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,314/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,201 · Scale 2, in force from 26 Feb 2026)