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$41,045
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,322
−HK$1,297/mo
Today · 4.125%
HK$43,619
baseline
▲ 0.50% · 4.625%
HK$46,273
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,238/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,662
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,887
−HK$1,242/mo
Today · 4.125%
HK$48,129
baseline
▲ 0.50% · 4.625%
HK$50,666
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,258/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,254
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,786
−HK$1,557/mo
Today · 4.125%
HK$52,343
baseline
▲ 0.50% · 4.625%
HK$55,528
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,686/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,795
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,264
−HK$1,491/mo
Today · 4.125%
HK$57,755
baseline
▲ 0.50% · 4.625%
HK$60,800
+HK$3,045/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,510/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,463
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,251
−HK$1,816/mo
Today · 4.125%
HK$61,067
baseline
▲ 0.50% · 4.625%
HK$64,782
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,134/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,927
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,642
−HK$1,739/mo
Today · 4.125%
HK$67,381
baseline
▲ 0.50% · 4.625%
HK$70,933
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,762/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,881
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,179
−HK$2,335/mo
Today · 4.125%
HK$78,514
baseline
▲ 0.50% · 4.625%
HK$83,292
+HK$4,778/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,028/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,192
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,397
−HK$2,236/mo
Today · 4.125%
HK$86,633
baseline
▲ 0.50% · 4.625%
HK$91,199
+HK$4,566/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,266/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,009 · Scale 2, in force from 26 Feb 2026)