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$43,307
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,654
−HK$1,369/mo
Today · 4.125%
HK$46,023
baseline
▲ 0.50% · 4.625%
HK$48,824
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,046/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,179
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,471
−HK$1,311/mo
Today · 4.125%
HK$50,782
baseline
▲ 0.50% · 4.625%
HK$53,459
+HK$2,677/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,564/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,969
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,585
−HK$1,643/mo
Today · 4.125%
HK$55,228
baseline
▲ 0.50% · 4.625%
HK$58,588
+HK$3,360/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,456/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,815
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,365
−HK$1,573/mo
Today · 4.125%
HK$60,938
baseline
▲ 0.50% · 4.625%
HK$64,151
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,876/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,630
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,516
−HK$1,916/mo
Today · 4.125%
HK$64,432
baseline
▲ 0.50% · 4.625%
HK$68,353
+HK$3,921/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,864/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,451
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,260
−HK$1,835/mo
Today · 4.125%
HK$71,095
baseline
▲ 0.50% · 4.625%
HK$74,842
+HK$3,747/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,190/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,953
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,378
−HK$2,464/mo
Today · 4.125%
HK$82,842
baseline
▲ 0.50% · 4.625%
HK$87,882
+HK$5,040/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,684/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,722
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,048
−HK$2,360/mo
Today · 4.125%
HK$91,408
baseline
▲ 0.50% · 4.625%
HK$96,226
+HK$4,818/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,816/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,213 · Scale 2, in force from 26 Feb 2026)