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$42,424
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,744
−HK$1,341/mo
Today · 4.125%
HK$45,085
baseline
▲ 0.50% · 4.625%
HK$47,828
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,170/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,197
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,462
−HK$1,284/mo
Today · 4.125%
HK$49,746
baseline
▲ 0.50% · 4.625%
HK$52,369
+HK$2,623/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,492/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,909
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,493
−HK$1,609/mo
Today · 4.125%
HK$54,102
baseline
▲ 0.50% · 4.625%
HK$57,393
+HK$3,291/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,204/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,636
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,155
−HK$1,541/mo
Today · 4.125%
HK$59,696
baseline
▲ 0.50% · 4.625%
HK$62,842
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,392/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,394
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,241
−HK$1,877/mo
Today · 4.125%
HK$63,118
baseline
▲ 0.50% · 4.625%
HK$66,959
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,236/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,075
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,847
−HK$1,798/mo
Today · 4.125%
HK$69,645
baseline
▲ 0.50% · 4.625%
HK$73,316
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,290/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,364
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,739
−HK$2,413/mo
Today · 4.125%
HK$81,152
baseline
▲ 0.50% · 4.625%
HK$86,090
+HK$4,938/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,304/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,954
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,232
−HK$2,312/mo
Today · 4.125%
HK$89,544
baseline
▲ 0.50% · 4.625%
HK$94,264
+HK$4,720/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,088/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,689 · Scale 2, in force from 26 Feb 2026)