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$42,173
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,485
−HK$1,333/mo
Today · 4.125%
HK$44,818
baseline
▲ 0.50% · 4.625%
HK$47,545
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,636/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,917
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,176
−HK$1,276/mo
Today · 4.125%
HK$49,452
baseline
▲ 0.50% · 4.625%
HK$52,059
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,904/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,608
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,182
−HK$1,599/mo
Today · 4.125%
HK$53,781
baseline
▲ 0.50% · 4.625%
HK$57,054
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,562/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,301
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,811
−HK$1,532/mo
Today · 4.125%
HK$59,343
baseline
▲ 0.50% · 4.625%
HK$62,471
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,686/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,043
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,879
−HK$1,866/mo
Today · 4.125%
HK$62,745
baseline
▲ 0.50% · 4.625%
HK$66,563
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,490/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,684
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,446
−HK$1,787/mo
Today · 4.125%
HK$69,233
baseline
▲ 0.50% · 4.625%
HK$72,882
+HK$3,649/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,466/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,912
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,273
−HK$2,399/mo
Today · 4.125%
HK$80,672
baseline
▲ 0.50% · 4.625%
HK$85,581
+HK$4,909/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,344/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,451
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,716
−HK$2,298/mo
Today · 4.125%
HK$89,014
baseline
▲ 0.50% · 4.625%
HK$93,706
+HK$4,692/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,028/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,562 · Scale 2, in force from 26 Feb 2026)