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$42,425
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,744
−HK$1,341/mo
Today · 4.125%
HK$45,085
baseline
▲ 0.50% · 4.625%
HK$47,828
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,170/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,197
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,463
−HK$1,284/mo
Today · 4.125%
HK$49,747
baseline
▲ 0.50% · 4.625%
HK$52,369
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,494/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,909
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,493
−HK$1,609/mo
Today · 4.125%
HK$54,102
baseline
▲ 0.50% · 4.625%
HK$57,394
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,204/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,636
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,155
−HK$1,541/mo
Today · 4.125%
HK$59,696
baseline
▲ 0.50% · 4.625%
HK$62,843
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,392/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,394
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,242
−HK$1,877/mo
Today · 4.125%
HK$63,119
baseline
▲ 0.50% · 4.625%
HK$66,960
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,238/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,076
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,848
−HK$1,798/mo
Today · 4.125%
HK$69,646
baseline
▲ 0.50% · 4.625%
HK$73,317
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,292/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,364
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,740
−HK$2,413/mo
Today · 4.125%
HK$81,153
baseline
▲ 0.50% · 4.625%
HK$86,091
+HK$4,938/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,306/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,954
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,233
−HK$2,311/mo
Today · 4.125%
HK$89,544
baseline
▲ 0.50% · 4.625%
HK$94,264
+HK$4,720/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,088/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,695 · Scale 2, in force from 26 Feb 2026)