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$41,034
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,311
−HK$1,297/mo
Today · 4.125%
HK$43,608
baseline
▲ 0.50% · 4.625%
HK$46,261
+HK$2,653/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,216/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,650
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,875
−HK$1,242/mo
Today · 4.125%
HK$48,117
baseline
▲ 0.50% · 4.625%
HK$50,653
+HK$2,536/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,234/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,241
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,773
−HK$1,556/mo
Today · 4.125%
HK$52,329
baseline
▲ 0.50% · 4.625%
HK$55,513
+HK$3,184/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,658/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,780
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,250
−HK$1,490/mo
Today · 4.125%
HK$57,740
baseline
▲ 0.50% · 4.625%
HK$60,784
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,480/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,448
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,235
−HK$1,816/mo
Today · 4.125%
HK$61,051
baseline
▲ 0.50% · 4.625%
HK$64,765
+HK$3,714/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,102/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,910
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,625
−HK$1,738/mo
Today · 4.125%
HK$67,363
baseline
▲ 0.50% · 4.625%
HK$70,914
+HK$3,551/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,726/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,862
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,159
−HK$2,335/mo
Today · 4.125%
HK$78,494
baseline
▲ 0.50% · 4.625%
HK$83,270
+HK$4,776/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$156,988/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,171
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,374
−HK$2,236/mo
Today · 4.125%
HK$86,610
baseline
▲ 0.50% · 4.625%
HK$91,175
+HK$4,565/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,220/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,832 · Scale 2, in force from 26 Feb 2026)