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$41,056
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,333
−HK$1,297/mo
Today · 4.125%
HK$43,630
baseline
▲ 0.50% · 4.625%
HK$46,285
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,260/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,674
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,899
−HK$1,243/mo
Today · 4.125%
HK$48,142
baseline
▲ 0.50% · 4.625%
HK$50,679
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,284/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,267
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,799
−HK$1,557/mo
Today · 4.125%
HK$52,356
baseline
▲ 0.50% · 4.625%
HK$55,542
+HK$3,186/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,712/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,809
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,279
−HK$1,491/mo
Today · 4.125%
HK$57,770
baseline
▲ 0.50% · 4.625%
HK$60,815
+HK$3,045/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,540/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,478
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,266
−HK$1,816/mo
Today · 4.125%
HK$61,082
baseline
▲ 0.50% · 4.625%
HK$64,799
+HK$3,717/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,164/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,944
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,658
−HK$1,740/mo
Today · 4.125%
HK$67,398
baseline
▲ 0.50% · 4.625%
HK$70,951
+HK$3,553/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,796/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,900
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,199
−HK$2,335/mo
Today · 4.125%
HK$78,534
baseline
▲ 0.50% · 4.625%
HK$83,313
+HK$4,779/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,068/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,213
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,418
−HK$2,237/mo
Today · 4.125%
HK$86,655
baseline
▲ 0.50% · 4.625%
HK$91,223
+HK$4,568/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,310/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,181 · Scale 2, in force from 26 Feb 2026)