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$42,165
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,476
−HK$1,333/mo
Today · 4.125%
HK$44,809
baseline
▲ 0.50% · 4.625%
HK$47,535
+HK$2,726/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,618/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,908
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,166
−HK$1,276/mo
Today · 4.125%
HK$49,442
baseline
▲ 0.50% · 4.625%
HK$52,048
+HK$2,606/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,884/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,598
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,171
−HK$1,599/mo
Today · 4.125%
HK$53,770
baseline
▲ 0.50% · 4.625%
HK$57,042
+HK$3,272/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$107,540/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,289
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,799
−HK$1,531/mo
Today · 4.125%
HK$59,330
baseline
▲ 0.50% · 4.625%
HK$62,458
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$118,660/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,030
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,867
−HK$1,865/mo
Today · 4.125%
HK$62,732
baseline
▲ 0.50% · 4.625%
HK$66,549
+HK$3,817/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,464/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,671
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,432
−HK$1,787/mo
Today · 4.125%
HK$69,219
baseline
▲ 0.50% · 4.625%
HK$72,867
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,438/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,896
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,257
−HK$2,399/mo
Today · 4.125%
HK$80,656
baseline
▲ 0.50% · 4.625%
HK$85,563
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,312/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,434
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,698
−HK$2,298/mo
Today · 4.125%
HK$88,996
baseline
▲ 0.50% · 4.625%
HK$93,687
+HK$4,691/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,992/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,419 · Scale 2, in force from 26 Feb 2026)