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$42,423
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,742
−HK$1,341/mo
Today · 4.125%
HK$45,083
baseline
▲ 0.50% · 4.625%
HK$47,826
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,166/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,195
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,461
−HK$1,284/mo
Today · 4.125%
HK$49,745
baseline
▲ 0.50% · 4.625%
HK$52,367
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,490/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,907
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,491
−HK$1,609/mo
Today · 4.125%
HK$54,100
baseline
▲ 0.50% · 4.625%
HK$57,392
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,200/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,634
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,153
−HK$1,541/mo
Today · 4.125%
HK$59,694
baseline
▲ 0.50% · 4.625%
HK$62,840
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,388/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,392
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,239
−HK$1,877/mo
Today · 4.125%
HK$63,116
baseline
▲ 0.50% · 4.625%
HK$66,957
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,232/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,073
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,845
−HK$1,798/mo
Today · 4.125%
HK$69,643
baseline
▲ 0.50% · 4.625%
HK$73,314
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,286/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,361
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,736
−HK$2,414/mo
Today · 4.125%
HK$81,150
baseline
▲ 0.50% · 4.625%
HK$86,087
+HK$4,937/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,300/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,951
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,229
−HK$2,312/mo
Today · 4.125%
HK$89,541
baseline
▲ 0.50% · 4.625%
HK$94,260
+HK$4,719/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,082/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,666 · Scale 2, in force from 26 Feb 2026)