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$41,043
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,320
−HK$1,297/mo
Today · 4.125%
HK$43,617
baseline
▲ 0.50% · 4.625%
HK$46,271
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,234/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,660
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,884
−HK$1,243/mo
Today · 4.125%
HK$48,127
baseline
▲ 0.50% · 4.625%
HK$50,664
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,254/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,252
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,784
−HK$1,556/mo
Today · 4.125%
HK$52,340
baseline
▲ 0.50% · 4.625%
HK$55,525
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,680/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,792
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,261
−HK$1,491/mo
Today · 4.125%
HK$57,752
baseline
▲ 0.50% · 4.625%
HK$60,796
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,504/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,460
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,247
−HK$1,816/mo
Today · 4.125%
HK$61,063
baseline
▲ 0.50% · 4.625%
HK$64,779
+HK$3,716/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,126/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,924
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,638
−HK$1,739/mo
Today · 4.125%
HK$67,377
baseline
▲ 0.50% · 4.625%
HK$70,929
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,754/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,877
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,175
−HK$2,335/mo
Today · 4.125%
HK$78,510
baseline
▲ 0.50% · 4.625%
HK$83,287
+HK$4,777/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,020/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,188
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,392
−HK$2,236/mo
Today · 4.125%
HK$86,628
baseline
▲ 0.50% · 4.625%
HK$91,194
+HK$4,566/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,256/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,973 · Scale 2, in force from 26 Feb 2026)