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$41,036
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,312
−HK$1,297/mo
Today · 4.125%
HK$43,609
baseline
▲ 0.50% · 4.625%
HK$46,262
+HK$2,653/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,218/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,652
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,876
−HK$1,242/mo
Today · 4.125%
HK$48,118
baseline
▲ 0.50% · 4.625%
HK$50,654
+HK$2,536/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,236/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,243
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,774
−HK$1,557/mo
Today · 4.125%
HK$52,331
baseline
▲ 0.50% · 4.625%
HK$55,515
+HK$3,184/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,662/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,782
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,251
−HK$1,491/mo
Today · 4.125%
HK$57,742
baseline
▲ 0.50% · 4.625%
HK$60,785
+HK$3,043/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,484/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,450
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,237
−HK$1,815/mo
Today · 4.125%
HK$61,052
baseline
▲ 0.50% · 4.625%
HK$64,767
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,104/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,912
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,626
−HK$1,739/mo
Today · 4.125%
HK$67,365
baseline
▲ 0.50% · 4.625%
HK$70,916
+HK$3,551/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,730/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,864
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,162
−HK$2,334/mo
Today · 4.125%
HK$78,496
baseline
▲ 0.50% · 4.625%
HK$83,272
+HK$4,776/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$156,992/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,173
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,377
−HK$2,235/mo
Today · 4.125%
HK$86,612
baseline
▲ 0.50% · 4.625%
HK$91,178
+HK$4,566/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,224/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,851 · Scale 2, in force from 26 Feb 2026)