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$42,439
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,759
−HK$1,341/mo
Today · 4.125%
HK$45,100
baseline
▲ 0.50% · 4.625%
HK$47,845
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,200/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,213
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,479
−HK$1,285/mo
Today · 4.125%
HK$49,764
baseline
▲ 0.50% · 4.625%
HK$52,387
+HK$2,623/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,528/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,927
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,511
−HK$1,609/mo
Today · 4.125%
HK$54,120
baseline
▲ 0.50% · 4.625%
HK$57,414
+HK$3,294/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$108,240/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,656
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,175
−HK$1,542/mo
Today · 4.125%
HK$59,717
baseline
▲ 0.50% · 4.625%
HK$62,864
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$119,434/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,415
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,263
−HK$1,878/mo
Today · 4.125%
HK$63,141
baseline
▲ 0.50% · 4.625%
HK$66,982
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,282/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,098
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,871
−HK$1,798/mo
Today · 4.125%
HK$69,669
baseline
▲ 0.50% · 4.625%
HK$73,342
+HK$3,673/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,338/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,390
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,766
−HK$2,415/mo
Today · 4.125%
HK$81,181
baseline
▲ 0.50% · 4.625%
HK$86,120
+HK$4,939/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,362/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,983
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,263
−HK$2,312/mo
Today · 4.125%
HK$89,575
baseline
▲ 0.50% · 4.625%
HK$94,296
+HK$4,721/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,150/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,933 · Scale 2, in force from 26 Feb 2026)