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$42,197
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,510
−HK$1,333/mo
Today · 4.125%
HK$44,843
baseline
▲ 0.50% · 4.625%
HK$47,572
+HK$2,729/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,686/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,944
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,203
−HK$1,277/mo
Today · 4.125%
HK$49,480
baseline
▲ 0.50% · 4.625%
HK$52,088
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,960/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,636
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,211
−HK$1,601/mo
Today · 4.125%
HK$53,812
baseline
▲ 0.50% · 4.625%
HK$57,086
+HK$3,274/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,624/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,332
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,843
−HK$1,533/mo
Today · 4.125%
HK$59,376
baseline
▲ 0.50% · 4.625%
HK$62,506
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,752/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,076
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,913
−HK$1,867/mo
Today · 4.125%
HK$62,780
baseline
▲ 0.50% · 4.625%
HK$66,600
+HK$3,820/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,560/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,721
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,484
−HK$1,788/mo
Today · 4.125%
HK$69,272
baseline
▲ 0.50% · 4.625%
HK$72,923
+HK$3,651/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,544/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,955
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,317
−HK$2,401/mo
Today · 4.125%
HK$80,718
baseline
▲ 0.50% · 4.625%
HK$85,629
+HK$4,911/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,436/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,499
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,765
−HK$2,299/mo
Today · 4.125%
HK$89,064
baseline
▲ 0.50% · 4.625%
HK$93,759
+HK$4,695/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,128/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,952 · Scale 2, in force from 26 Feb 2026)