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$42,398
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,716
−HK$1,340/mo
Today · 4.125%
HK$45,056
baseline
▲ 0.50% · 4.625%
HK$47,798
+HK$2,742/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,112/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,167
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,432
−HK$1,283/mo
Today · 4.125%
HK$49,715
baseline
▲ 0.50% · 4.625%
HK$52,336
+HK$2,621/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,430/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,877
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,460
−HK$1,608/mo
Today · 4.125%
HK$54,068
baseline
▲ 0.50% · 4.625%
HK$57,357
+HK$3,289/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,136/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,600
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,118
−HK$1,540/mo
Today · 4.125%
HK$59,658
baseline
▲ 0.50% · 4.625%
HK$62,803
+HK$3,145/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,316/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,357
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,203
−HK$1,876/mo
Today · 4.125%
HK$63,079
baseline
▲ 0.50% · 4.625%
HK$66,917
+HK$3,838/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,158/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,034
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,805
−HK$1,796/mo
Today · 4.125%
HK$69,601
baseline
▲ 0.50% · 4.625%
HK$73,270
+HK$3,669/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,202/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,316
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,690
−HK$2,411/mo
Today · 4.125%
HK$81,101
baseline
▲ 0.50% · 4.625%
HK$86,036
+HK$4,935/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,202/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,900
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,177
−HK$2,310/mo
Today · 4.125%
HK$89,487
baseline
▲ 0.50% · 4.625%
HK$94,204
+HK$4,717/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,974/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,251 · Scale 2, in force from 26 Feb 2026)