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$43,334
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,682
−HK$1,370/mo
Today · 4.125%
HK$46,052
baseline
▲ 0.50% · 4.625%
HK$48,854
+HK$2,802/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,104/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,209
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,502
−HK$1,312/mo
Today · 4.125%
HK$50,814
baseline
▲ 0.50% · 4.625%
HK$53,492
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,628/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,001
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,619
−HK$1,643/mo
Today · 4.125%
HK$55,262
baseline
▲ 0.50% · 4.625%
HK$58,625
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,524/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,851
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,402
−HK$1,574/mo
Today · 4.125%
HK$60,976
baseline
▲ 0.50% · 4.625%
HK$64,191
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,952/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,668
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,555
−HK$1,918/mo
Today · 4.125%
HK$64,473
baseline
▲ 0.50% · 4.625%
HK$68,396
+HK$3,923/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,946/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,493
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,303
−HK$1,836/mo
Today · 4.125%
HK$71,139
baseline
▲ 0.50% · 4.625%
HK$74,889
+HK$3,750/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,278/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,002
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,428
−HK$2,465/mo
Today · 4.125%
HK$82,893
baseline
▲ 0.50% · 4.625%
HK$87,937
+HK$5,044/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,786/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,776
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,104
−HK$2,361/mo
Today · 4.125%
HK$91,465
baseline
▲ 0.50% · 4.625%
HK$96,286
+HK$4,821/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,930/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,657 · Scale 2, in force from 26 Feb 2026)