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$42,180
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,492
−HK$1,333/mo
Today · 4.125%
HK$44,825
baseline
▲ 0.50% · 4.625%
HK$47,552
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,650/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,924
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,183
−HK$1,277/mo
Today · 4.125%
HK$49,460
baseline
▲ 0.50% · 4.625%
HK$52,067
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,920/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,616
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,190
−HK$1,600/mo
Today · 4.125%
HK$53,790
baseline
▲ 0.50% · 4.625%
HK$57,063
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,580/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,309
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,819
−HK$1,533/mo
Today · 4.125%
HK$59,352
baseline
▲ 0.50% · 4.625%
HK$62,480
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,704/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,051
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,888
−HK$1,867/mo
Today · 4.125%
HK$62,755
baseline
▲ 0.50% · 4.625%
HK$66,573
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,510/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,694
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,456
−HK$1,787/mo
Today · 4.125%
HK$69,243
baseline
▲ 0.50% · 4.625%
HK$72,893
+HK$3,650/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,486/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,923
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,285
−HK$2,399/mo
Today · 4.125%
HK$80,684
baseline
▲ 0.50% · 4.625%
HK$85,594
+HK$4,910/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,368/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,464
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,729
−HK$2,298/mo
Today · 4.125%
HK$89,027
baseline
▲ 0.50% · 4.625%
HK$93,720
+HK$4,693/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,054/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,666 · Scale 2, in force from 26 Feb 2026)