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$43,313
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,660
−HK$1,369/mo
Today · 4.125%
HK$46,029
baseline
▲ 0.50% · 4.625%
HK$48,830
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,058/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,185
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,477
−HK$1,311/mo
Today · 4.125%
HK$50,788
baseline
▲ 0.50% · 4.625%
HK$53,465
+HK$2,677/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,576/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,975
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,592
−HK$1,643/mo
Today · 4.125%
HK$55,235
baseline
▲ 0.50% · 4.625%
HK$58,595
+HK$3,360/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,470/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,822
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,373
−HK$1,573/mo
Today · 4.125%
HK$60,946
baseline
▲ 0.50% · 4.625%
HK$64,158
+HK$3,212/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,892/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,638
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,524
−HK$1,916/mo
Today · 4.125%
HK$64,440
baseline
▲ 0.50% · 4.625%
HK$68,361
+HK$3,921/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,880/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,459
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,268
−HK$1,836/mo
Today · 4.125%
HK$71,104
baseline
▲ 0.50% · 4.625%
HK$74,852
+HK$3,748/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,208/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,963
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,388
−HK$2,464/mo
Today · 4.125%
HK$82,852
baseline
▲ 0.50% · 4.625%
HK$87,893
+HK$5,041/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,704/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,733
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,059
−HK$2,360/mo
Today · 4.125%
HK$91,419
baseline
▲ 0.50% · 4.625%
HK$96,238
+HK$4,819/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,838/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,301 · Scale 2, in force from 26 Feb 2026)