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$43,316
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,664
−HK$1,369/mo
Today · 4.125%
HK$46,033
baseline
▲ 0.50% · 4.625%
HK$48,834
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,066/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,189
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,481
−HK$1,311/mo
Today · 4.125%
HK$50,792
baseline
▲ 0.50% · 4.625%
HK$53,470
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,584/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,980
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,596
−HK$1,643/mo
Today · 4.125%
HK$55,239
baseline
▲ 0.50% · 4.625%
HK$58,600
+HK$3,361/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,478/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,827
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,378
−HK$1,573/mo
Today · 4.125%
HK$60,951
baseline
▲ 0.50% · 4.625%
HK$64,164
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,902/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,643
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,529
−HK$1,917/mo
Today · 4.125%
HK$64,446
baseline
▲ 0.50% · 4.625%
HK$68,367
+HK$3,921/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,892/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,465
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,274
−HK$1,835/mo
Today · 4.125%
HK$71,109
baseline
▲ 0.50% · 4.625%
HK$74,858
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,218/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,969
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,395
−HK$2,464/mo
Today · 4.125%
HK$82,859
baseline
▲ 0.50% · 4.625%
HK$87,900
+HK$5,041/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,718/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,740
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,066
−HK$2,360/mo
Today · 4.125%
HK$91,426
baseline
▲ 0.50% · 4.625%
HK$96,246
+HK$4,820/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,852/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,359 · Scale 2, in force from 26 Feb 2026)