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$42,398
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,717
−HK$1,340/mo
Today · 4.125%
HK$45,057
baseline
▲ 0.50% · 4.625%
HK$47,798
+HK$2,741/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,114/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,167
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,432
−HK$1,284/mo
Today · 4.125%
HK$49,716
baseline
▲ 0.50% · 4.625%
HK$52,336
+HK$2,620/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,432/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,878
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,460
−HK$1,608/mo
Today · 4.125%
HK$54,068
baseline
▲ 0.50% · 4.625%
HK$57,358
+HK$3,290/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,136/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,601
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,119
−HK$1,540/mo
Today · 4.125%
HK$59,659
baseline
▲ 0.50% · 4.625%
HK$62,804
+HK$3,145/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,318/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,357
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,204
−HK$1,876/mo
Today · 4.125%
HK$63,080
baseline
▲ 0.50% · 4.625%
HK$66,918
+HK$3,838/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,160/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,034
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,805
−HK$1,797/mo
Today · 4.125%
HK$69,602
baseline
▲ 0.50% · 4.625%
HK$73,271
+HK$3,669/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,204/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,317
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,690
−HK$2,412/mo
Today · 4.125%
HK$81,102
baseline
▲ 0.50% · 4.625%
HK$86,037
+HK$4,935/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,204/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,901
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,178
−HK$2,310/mo
Today · 4.125%
HK$89,488
baseline
▲ 0.50% · 4.625%
HK$94,205
+HK$4,717/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,976/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,259 · Scale 2, in force from 26 Feb 2026)