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$42,417
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,736
−HK$1,341/mo
Today · 4.125%
HK$45,077
baseline
▲ 0.50% · 4.625%
HK$47,820
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,154/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,188
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,454
−HK$1,284/mo
Today · 4.125%
HK$49,738
baseline
▲ 0.50% · 4.625%
HK$52,360
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,476/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,900
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,484
−HK$1,608/mo
Today · 4.125%
HK$54,092
baseline
▲ 0.50% · 4.625%
HK$57,384
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,184/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,626
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,145
−HK$1,541/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$62,832
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,384
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,231
−HK$1,877/mo
Today · 4.125%
HK$63,108
baseline
▲ 0.50% · 4.625%
HK$66,948
+HK$3,840/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,216/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,064
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,836
−HK$1,797/mo
Today · 4.125%
HK$69,633
baseline
▲ 0.50% · 4.625%
HK$73,304
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,266/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,351
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,726
−HK$2,412/mo
Today · 4.125%
HK$81,138
baseline
▲ 0.50% · 4.625%
HK$86,076
+HK$4,938/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,276/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,939
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,217
−HK$2,311/mo
Today · 4.125%
HK$89,528
baseline
▲ 0.50% · 4.625%
HK$94,247
+HK$4,719/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,056/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,570 · Scale 2, in force from 26 Feb 2026)