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$42,422
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,742
−HK$1,341/mo
Today · 4.125%
HK$45,083
baseline
▲ 0.50% · 4.625%
HK$47,826
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,166/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,195
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,460
−HK$1,284/mo
Today · 4.125%
HK$49,744
baseline
▲ 0.50% · 4.625%
HK$52,366
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,488/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,907
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,490
−HK$1,609/mo
Today · 4.125%
HK$54,099
baseline
▲ 0.50% · 4.625%
HK$57,391
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,198/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,633
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,152
−HK$1,541/mo
Today · 4.125%
HK$59,693
baseline
▲ 0.50% · 4.625%
HK$62,840
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,386/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,391
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,239
−HK$1,877/mo
Today · 4.125%
HK$63,116
baseline
▲ 0.50% · 4.625%
HK$66,956
+HK$3,840/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,232/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,072
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,844
−HK$1,798/mo
Today · 4.125%
HK$69,642
baseline
▲ 0.50% · 4.625%
HK$73,313
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,284/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,360
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,736
−HK$2,413/mo
Today · 4.125%
HK$81,149
baseline
▲ 0.50% · 4.625%
HK$86,087
+HK$4,938/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,298/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,950
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,229
−HK$2,311/mo
Today · 4.125%
HK$89,540
baseline
▲ 0.50% · 4.625%
HK$94,260
+HK$4,720/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,080/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,660 · Scale 2, in force from 26 Feb 2026)