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$42,415
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,735
−HK$1,340/mo
Today · 4.125%
HK$45,075
baseline
▲ 0.50% · 4.625%
HK$47,818
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,150/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,187
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,452
−HK$1,284/mo
Today · 4.125%
HK$49,736
baseline
▲ 0.50% · 4.625%
HK$52,358
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,472/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,898
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,482
−HK$1,608/mo
Today · 4.125%
HK$54,090
baseline
▲ 0.50% · 4.625%
HK$57,381
+HK$3,291/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,180/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,624
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,143
−HK$1,540/mo
Today · 4.125%
HK$59,683
baseline
▲ 0.50% · 4.625%
HK$62,829
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,366/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,381
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,229
−HK$1,876/mo
Today · 4.125%
HK$63,105
baseline
▲ 0.50% · 4.625%
HK$66,945
+HK$3,840/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,210/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,061
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,833
−HK$1,797/mo
Today · 4.125%
HK$69,630
baseline
▲ 0.50% · 4.625%
HK$73,301
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,260/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,348
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,722
−HK$2,413/mo
Today · 4.125%
HK$81,135
baseline
▲ 0.50% · 4.625%
HK$86,072
+HK$4,937/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,270/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,936
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,214
−HK$2,311/mo
Today · 4.125%
HK$89,525
baseline
▲ 0.50% · 4.625%
HK$94,244
+HK$4,719/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,050/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,542 · Scale 2, in force from 26 Feb 2026)