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$41,066
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,344
−HK$1,298/mo
Today · 4.125%
HK$43,642
baseline
▲ 0.50% · 4.625%
HK$46,297
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,284/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,686
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,911
−HK$1,243/mo
Today · 4.125%
HK$48,154
baseline
▲ 0.50% · 4.625%
HK$50,693
+HK$2,539/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,308/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,813
−HK$1,557/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,557
+HK$3,187/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,823
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,293
−HK$1,492/mo
Today · 4.125%
HK$57,785
baseline
▲ 0.50% · 4.625%
HK$60,831
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,570/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,493
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,281
−HK$1,817/mo
Today · 4.125%
HK$61,098
baseline
▲ 0.50% · 4.625%
HK$64,816
+HK$3,718/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,196/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,960
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,676
−HK$1,740/mo
Today · 4.125%
HK$67,416
baseline
▲ 0.50% · 4.625%
HK$70,970
+HK$3,554/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,832/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,920
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,219
−HK$2,336/mo
Today · 4.125%
HK$78,555
baseline
▲ 0.50% · 4.625%
HK$83,335
+HK$4,780/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,110/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,235
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,440
−HK$2,238/mo
Today · 4.125%
HK$86,678
baseline
▲ 0.50% · 4.625%
HK$91,247
+HK$4,569/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,356/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,359 · Scale 2, in force from 26 Feb 2026)