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$41,034
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,310
−HK$1,297/mo
Today · 4.125%
HK$43,607
baseline
▲ 0.50% · 4.625%
HK$46,260
+HK$2,653/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,214/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,649
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,874
−HK$1,242/mo
Today · 4.125%
HK$48,116
baseline
▲ 0.50% · 4.625%
HK$50,652
+HK$2,536/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,232/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,240
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,772
−HK$1,556/mo
Today · 4.125%
HK$52,328
baseline
▲ 0.50% · 4.625%
HK$55,512
+HK$3,184/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,656/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,779
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,248
−HK$1,491/mo
Today · 4.125%
HK$57,739
baseline
▲ 0.50% · 4.625%
HK$60,782
+HK$3,043/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,478/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,447
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,234
−HK$1,815/mo
Today · 4.125%
HK$61,049
baseline
▲ 0.50% · 4.625%
HK$64,764
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,098/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,909
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,623
−HK$1,739/mo
Today · 4.125%
HK$67,362
baseline
▲ 0.50% · 4.625%
HK$70,913
+HK$3,551/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,724/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,860
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,158
−HK$2,334/mo
Today · 4.125%
HK$78,492
baseline
▲ 0.50% · 4.625%
HK$83,268
+HK$4,776/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$156,984/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,169
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,373
−HK$2,235/mo
Today · 4.125%
HK$86,608
baseline
▲ 0.50% · 4.625%
HK$91,174
+HK$4,566/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,216/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,819 · Scale 2, in force from 26 Feb 2026)