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$43,343
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,691
−HK$1,370/mo
Today · 4.125%
HK$46,061
baseline
▲ 0.50% · 4.625%
HK$48,864
+HK$2,803/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,122/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,219
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,512
−HK$1,312/mo
Today · 4.125%
HK$50,824
baseline
▲ 0.50% · 4.625%
HK$53,503
+HK$2,679/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,648/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,012
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,630
−HK$1,644/mo
Today · 4.125%
HK$55,274
baseline
▲ 0.50% · 4.625%
HK$58,637
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,548/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,863
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,415
−HK$1,574/mo
Today · 4.125%
HK$60,989
baseline
▲ 0.50% · 4.625%
HK$64,204
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,978/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,681
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,568
−HK$1,918/mo
Today · 4.125%
HK$64,486
baseline
▲ 0.50% · 4.625%
HK$68,410
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,972/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,507
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,317
−HK$1,837/mo
Today · 4.125%
HK$71,154
baseline
▲ 0.50% · 4.625%
HK$74,904
+HK$3,750/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,308/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,018
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,445
−HK$2,465/mo
Today · 4.125%
HK$82,910
baseline
▲ 0.50% · 4.625%
HK$87,955
+HK$5,045/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,820/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,794
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,122
−HK$2,361/mo
Today · 4.125%
HK$91,483
baseline
▲ 0.50% · 4.625%
HK$96,306
+HK$4,823/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,966/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,803 · Scale 2, in force from 26 Feb 2026)