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$42,184
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,496
−HK$1,333/mo
Today · 4.125%
HK$44,829
baseline
▲ 0.50% · 4.625%
HK$47,557
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,658/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,929
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,187
−HK$1,277/mo
Today · 4.125%
HK$49,464
baseline
▲ 0.50% · 4.625%
HK$52,072
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,928/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,620
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,195
−HK$1,600/mo
Today · 4.125%
HK$53,795
baseline
▲ 0.50% · 4.625%
HK$57,068
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,590/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,315
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,825
−HK$1,532/mo
Today · 4.125%
HK$59,357
baseline
▲ 0.50% · 4.625%
HK$62,486
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,714/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,057
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,894
−HK$1,866/mo
Today · 4.125%
HK$62,760
baseline
▲ 0.50% · 4.625%
HK$66,579
+HK$3,819/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,520/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,700
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,462
−HK$1,788/mo
Today · 4.125%
HK$69,250
baseline
▲ 0.50% · 4.625%
HK$72,900
+HK$3,650/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,500/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,930
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,292
−HK$2,400/mo
Today · 4.125%
HK$80,692
baseline
▲ 0.50% · 4.625%
HK$85,602
+HK$4,910/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,384/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,472
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,737
−HK$2,299/mo
Today · 4.125%
HK$89,036
baseline
▲ 0.50% · 4.625%
HK$93,729
+HK$4,693/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,072/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,731 · Scale 2, in force from 26 Feb 2026)