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$43,326
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,674
−HK$1,369/mo
Today · 4.125%
HK$46,043
baseline
▲ 0.50% · 4.625%
HK$48,845
+HK$2,802/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,086/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,200
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,493
−HK$1,311/mo
Today · 4.125%
HK$50,804
baseline
▲ 0.50% · 4.625%
HK$53,482
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,608/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,992
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,609
−HK$1,643/mo
Today · 4.125%
HK$55,252
baseline
▲ 0.50% · 4.625%
HK$58,614
+HK$3,362/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,504/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,840
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,392
−HK$1,573/mo
Today · 4.125%
HK$60,965
baseline
▲ 0.50% · 4.625%
HK$64,179
+HK$3,214/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,930/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,657
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,544
−HK$1,917/mo
Today · 4.125%
HK$64,461
baseline
▲ 0.50% · 4.625%
HK$68,383
+HK$3,922/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,922/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,480
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,290
−HK$1,836/mo
Today · 4.125%
HK$71,126
baseline
▲ 0.50% · 4.625%
HK$74,875
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,252/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,988
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,414
−HK$2,464/mo
Today · 4.125%
HK$82,878
baseline
▲ 0.50% · 4.625%
HK$87,921
+HK$5,043/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,756/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,761
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,087
−HK$2,361/mo
Today · 4.125%
HK$91,448
baseline
▲ 0.50% · 4.625%
HK$96,268
+HK$4,820/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,896/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,527 · Scale 2, in force from 26 Feb 2026)