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$43,302
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,649
−HK$1,369/mo
Today · 4.125%
HK$46,018
baseline
▲ 0.50% · 4.625%
HK$48,818
+HK$2,800/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,036/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,173
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,465
−HK$1,311/mo
Today · 4.125%
HK$50,776
baseline
▲ 0.50% · 4.625%
HK$53,452
+HK$2,676/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,552/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,963
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,579
−HK$1,642/mo
Today · 4.125%
HK$55,221
baseline
▲ 0.50% · 4.625%
HK$58,581
+HK$3,360/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$110,442/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,808
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,358
−HK$1,573/mo
Today · 4.125%
HK$60,931
baseline
▲ 0.50% · 4.625%
HK$64,143
+HK$3,212/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$121,862/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,623
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,509
−HK$1,916/mo
Today · 4.125%
HK$64,425
baseline
▲ 0.50% · 4.625%
HK$68,345
+HK$3,920/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,850/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,443
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,251
−HK$1,835/mo
Today · 4.125%
HK$71,086
baseline
▲ 0.50% · 4.625%
HK$74,833
+HK$3,747/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,172/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,944
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,368
−HK$2,464/mo
Today · 4.125%
HK$82,832
baseline
▲ 0.50% · 4.625%
HK$87,872
+HK$5,040/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,664/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,712
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,037
−HK$2,360/mo
Today · 4.125%
HK$91,397
baseline
▲ 0.50% · 4.625%
HK$96,214
+HK$4,817/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,794/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,127 · Scale 2, in force from 26 Feb 2026)