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$43,304
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,651
−HK$1,369/mo
Today · 4.125%
HK$46,020
baseline
▲ 0.50% · 4.625%
HK$48,820
+HK$2,800/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,040/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,176
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,468
−HK$1,311/mo
Today · 4.125%
HK$50,779
baseline
▲ 0.50% · 4.625%
HK$53,455
+HK$2,676/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,558/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,965
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,582
−HK$1,642/mo
Today · 4.125%
HK$55,224
baseline
▲ 0.50% · 4.625%
HK$58,584
+HK$3,360/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$110,448/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,811
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,361
−HK$1,573/mo
Today · 4.125%
HK$60,934
baseline
▲ 0.50% · 4.625%
HK$64,146
+HK$3,212/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$121,868/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,626
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,512
−HK$1,916/mo
Today · 4.125%
HK$64,428
baseline
▲ 0.50% · 4.625%
HK$68,348
+HK$3,920/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,856/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,446
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,255
−HK$1,835/mo
Today · 4.125%
HK$71,090
baseline
▲ 0.50% · 4.625%
HK$74,837
+HK$3,747/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,180/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,948
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,373
−HK$2,463/mo
Today · 4.125%
HK$82,836
baseline
▲ 0.50% · 4.625%
HK$87,876
+HK$5,040/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,672/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,716
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,042
−HK$2,359/mo
Today · 4.125%
HK$91,401
baseline
▲ 0.50% · 4.625%
HK$96,219
+HK$4,818/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,802/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,165 · Scale 2, in force from 26 Feb 2026)