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$43,342
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,690
−HK$1,370/mo
Today · 4.125%
HK$46,060
baseline
▲ 0.50% · 4.625%
HK$48,863
+HK$2,803/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,120/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,218
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,511
−HK$1,312/mo
Today · 4.125%
HK$50,823
baseline
▲ 0.50% · 4.625%
HK$53,502
+HK$2,679/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,646/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,011
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,629
−HK$1,643/mo
Today · 4.125%
HK$55,272
baseline
▲ 0.50% · 4.625%
HK$58,635
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,544/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,861
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,413
−HK$1,574/mo
Today · 4.125%
HK$60,987
baseline
▲ 0.50% · 4.625%
HK$64,202
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,974/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,679
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,567
−HK$1,917/mo
Today · 4.125%
HK$64,484
baseline
▲ 0.50% · 4.625%
HK$68,408
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,968/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,505
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,315
−HK$1,837/mo
Today · 4.125%
HK$71,152
baseline
▲ 0.50% · 4.625%
HK$74,903
+HK$3,751/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,304/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,016
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,443
−HK$2,465/mo
Today · 4.125%
HK$82,908
baseline
▲ 0.50% · 4.625%
HK$87,953
+HK$5,045/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,816/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,792
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,120
−HK$2,361/mo
Today · 4.125%
HK$91,481
baseline
▲ 0.50% · 4.625%
HK$96,303
+HK$4,822/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,962/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,786 · Scale 2, in force from 26 Feb 2026)