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$43,317
−HK$2,716/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$712,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,190
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,482
−HK$1,311/mo
Today · 4.125%
HK$50,793
baseline
▲ 0.50% · 4.625%
HK$53,470
+HK$2,677/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,586/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,980
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,597
−HK$1,643/mo
Today · 4.125%
HK$55,240
baseline
▲ 0.50% · 4.625%
HK$58,601
+HK$3,361/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,480/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,827
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,378
−HK$1,574/mo
Today · 4.125%
HK$60,952
baseline
▲ 0.50% · 4.625%
HK$64,164
+HK$3,212/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,904/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,644
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,530
−HK$1,916/mo
Today · 4.125%
HK$64,446
baseline
▲ 0.50% · 4.625%
HK$68,368
+HK$3,922/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$712,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,465
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,275
−HK$1,835/mo
Today · 4.125%
HK$71,110
baseline
▲ 0.50% · 4.625%
HK$74,859
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,220/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,970
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,396
−HK$2,464/mo
Today · 4.125%
HK$82,860
baseline
▲ 0.50% · 4.625%
HK$87,901
+HK$5,041/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,720/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,741
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,067
−HK$2,360/mo
Today · 4.125%
HK$91,427
baseline
▲ 0.50% · 4.625%
HK$96,247
+HK$4,820/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,854/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,368 · Scale 2, in force from 26 Feb 2026)