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$41,038
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,314
−HK$1,297/mo
Today · 4.125%
HK$43,611
baseline
▲ 0.50% · 4.625%
HK$46,265
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,222/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,654
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,879
−HK$1,242/mo
Today · 4.125%
HK$48,121
baseline
▲ 0.50% · 4.625%
HK$50,657
+HK$2,536/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,242/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,245
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,777
−HK$1,557/mo
Today · 4.125%
HK$52,334
baseline
▲ 0.50% · 4.625%
HK$55,518
+HK$3,184/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,668/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,785
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,254
−HK$1,491/mo
Today · 4.125%
HK$57,745
baseline
▲ 0.50% · 4.625%
HK$60,789
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,490/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,453
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,240
−HK$1,816/mo
Today · 4.125%
HK$61,056
baseline
▲ 0.50% · 4.625%
HK$64,771
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,112/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,916
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,630
−HK$1,739/mo
Today · 4.125%
HK$67,369
baseline
▲ 0.50% · 4.625%
HK$70,920
+HK$3,551/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,738/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,868
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,166
−HK$2,334/mo
Today · 4.125%
HK$78,500
baseline
▲ 0.50% · 4.625%
HK$83,277
+HK$4,777/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,000/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,178
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,382
−HK$2,235/mo
Today · 4.125%
HK$86,617
baseline
▲ 0.50% · 4.625%
HK$91,183
+HK$4,566/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,234/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,890 · Scale 2, in force from 26 Feb 2026)