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$41,053
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,330
−HK$1,298/mo
Today · 4.125%
HK$43,628
baseline
▲ 0.50% · 4.625%
HK$46,283
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,256/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,672
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,896
−HK$1,243/mo
Today · 4.125%
HK$48,139
baseline
▲ 0.50% · 4.625%
HK$50,677
+HK$2,538/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,278/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,264
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,797
−HK$1,556/mo
Today · 4.125%
HK$52,353
baseline
▲ 0.50% · 4.625%
HK$55,539
+HK$3,186/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,706/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,806
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,276
−HK$1,491/mo
Today · 4.125%
HK$57,767
baseline
▲ 0.50% · 4.625%
HK$60,812
+HK$3,045/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,534/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,475
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,263
−HK$1,816/mo
Today · 4.125%
HK$61,079
baseline
▲ 0.50% · 4.625%
HK$64,796
+HK$3,717/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,158/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,940
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,655
−HK$1,740/mo
Today · 4.125%
HK$67,395
baseline
▲ 0.50% · 4.625%
HK$70,947
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,790/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,896
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,195
−HK$2,335/mo
Today · 4.125%
HK$78,530
baseline
▲ 0.50% · 4.625%
HK$83,309
+HK$4,779/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,060/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,209
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,414
−HK$2,236/mo
Today · 4.125%
HK$86,650
baseline
▲ 0.50% · 4.625%
HK$91,218
+HK$4,568/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,300/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,146 · Scale 2, in force from 26 Feb 2026)