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$41,046
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,323
−HK$1,297/mo
Today · 4.125%
HK$43,620
baseline
▲ 0.50% · 4.625%
HK$46,275
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,240/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,664
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,888
−HK$1,243/mo
Today · 4.125%
HK$48,131
baseline
▲ 0.50% · 4.625%
HK$50,668
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,262/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,256
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,788
−HK$1,556/mo
Today · 4.125%
HK$52,344
baseline
▲ 0.50% · 4.625%
HK$55,529
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,688/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,796
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,266
−HK$1,491/mo
Today · 4.125%
HK$57,757
baseline
▲ 0.50% · 4.625%
HK$60,801
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,514/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,465
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,252
−HK$1,817/mo
Today · 4.125%
HK$61,069
baseline
▲ 0.50% · 4.625%
HK$64,784
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,138/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,929
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,644
−HK$1,739/mo
Today · 4.125%
HK$67,383
baseline
▲ 0.50% · 4.625%
HK$70,935
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,766/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,884
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,182
−HK$2,335/mo
Today · 4.125%
HK$78,517
baseline
▲ 0.50% · 4.625%
HK$83,294
+HK$4,777/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,034/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,195
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,399
−HK$2,236/mo
Today · 4.125%
HK$86,635
baseline
▲ 0.50% · 4.625%
HK$91,202
+HK$4,567/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,270/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,030 · Scale 2, in force from 26 Feb 2026)