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$42,169
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,481
−HK$1,332/mo
Today · 4.125%
HK$44,813
baseline
▲ 0.50% · 4.625%
HK$47,540
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,626/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,913
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,171
−HK$1,276/mo
Today · 4.125%
HK$49,447
baseline
▲ 0.50% · 4.625%
HK$52,053
+HK$2,606/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,894/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,603
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,177
−HK$1,599/mo
Today · 4.125%
HK$53,776
baseline
▲ 0.50% · 4.625%
HK$57,048
+HK$3,272/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,552/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,295
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,805
−HK$1,531/mo
Today · 4.125%
HK$59,336
baseline
▲ 0.50% · 4.625%
HK$62,464
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,672/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,037
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,873
−HK$1,866/mo
Today · 4.125%
HK$62,739
baseline
▲ 0.50% · 4.625%
HK$66,556
+HK$3,817/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,478/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,678
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,439
−HK$1,787/mo
Today · 4.125%
HK$69,226
baseline
▲ 0.50% · 4.625%
HK$72,875
+HK$3,649/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,452/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,904
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,265
−HK$2,399/mo
Today · 4.125%
HK$80,664
baseline
▲ 0.50% · 4.625%
HK$85,572
+HK$4,908/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,328/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,443
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,707
−HK$2,298/mo
Today · 4.125%
HK$89,005
baseline
▲ 0.50% · 4.625%
HK$93,696
+HK$4,691/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$178,010/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,491 · Scale 2, in force from 26 Feb 2026)