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$42,198
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,511
−HK$1,334/mo
Today · 4.125%
HK$44,845
baseline
▲ 0.50% · 4.625%
HK$47,573
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,690/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,945
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,204
−HK$1,278/mo
Today · 4.125%
HK$49,482
baseline
▲ 0.50% · 4.625%
HK$52,090
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,964/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,638
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,213
−HK$1,601/mo
Today · 4.125%
HK$53,814
baseline
▲ 0.50% · 4.625%
HK$57,088
+HK$3,274/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,628/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,334
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,845
−HK$1,533/mo
Today · 4.125%
HK$59,378
baseline
▲ 0.50% · 4.625%
HK$62,508
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,756/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,078
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,915
−HK$1,867/mo
Today · 4.125%
HK$62,782
baseline
▲ 0.50% · 4.625%
HK$66,603
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,564/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,723
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,486
−HK$1,788/mo
Today · 4.125%
HK$69,274
baseline
▲ 0.50% · 4.625%
HK$72,926
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,548/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,957
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,320
−HK$2,400/mo
Today · 4.125%
HK$80,720
baseline
▲ 0.50% · 4.625%
HK$85,632
+HK$4,912/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,440/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,502
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,768
−HK$2,299/mo
Today · 4.125%
HK$89,067
baseline
▲ 0.50% · 4.625%
HK$93,762
+HK$4,695/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,134/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,975 · Scale 2, in force from 26 Feb 2026)