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$42,433
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,753
−HK$1,341/mo
Today · 4.125%
HK$45,094
baseline
▲ 0.50% · 4.625%
HK$47,837
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,188/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,206
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,472
−HK$1,284/mo
Today · 4.125%
HK$49,756
baseline
▲ 0.50% · 4.625%
HK$52,379
+HK$2,623/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,512/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,919
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,503
−HK$1,609/mo
Today · 4.125%
HK$54,112
baseline
▲ 0.50% · 4.625%
HK$57,405
+HK$3,293/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$108,224/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,647
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,166
−HK$1,542/mo
Today · 4.125%
HK$59,708
baseline
▲ 0.50% · 4.625%
HK$62,855
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$119,416/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,406
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,254
−HK$1,877/mo
Today · 4.125%
HK$63,131
baseline
▲ 0.50% · 4.625%
HK$66,972
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,262/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,088
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,861
−HK$1,798/mo
Today · 4.125%
HK$69,659
baseline
▲ 0.50% · 4.625%
HK$73,331
+HK$3,672/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,318/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,379
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,755
−HK$2,413/mo
Today · 4.125%
HK$81,168
baseline
▲ 0.50% · 4.625%
HK$86,107
+HK$4,939/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,336/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,971
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,250
−HK$2,311/mo
Today · 4.125%
HK$89,561
baseline
▲ 0.50% · 4.625%
HK$94,282
+HK$4,721/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,122/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,828 · Scale 2, in force from 26 Feb 2026)