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$41,050
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,327
−HK$1,298/mo
Today · 4.125%
HK$43,625
baseline
▲ 0.50% · 4.625%
HK$46,279
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,250/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,668
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,893
−HK$1,242/mo
Today · 4.125%
HK$48,135
baseline
▲ 0.50% · 4.625%
HK$50,673
+HK$2,538/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,270/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,260
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,793
−HK$1,556/mo
Today · 4.125%
HK$52,349
baseline
▲ 0.50% · 4.625%
HK$55,535
+HK$3,186/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,698/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,802
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,271
−HK$1,491/mo
Today · 4.125%
HK$57,762
baseline
▲ 0.50% · 4.625%
HK$60,807
+HK$3,045/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,524/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,470
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,258
−HK$1,816/mo
Today · 4.125%
HK$61,074
baseline
▲ 0.50% · 4.625%
HK$64,791
+HK$3,717/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,148/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,935
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,650
−HK$1,740/mo
Today · 4.125%
HK$67,390
baseline
▲ 0.50% · 4.625%
HK$70,942
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,780/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,891
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,189
−HK$2,335/mo
Today · 4.125%
HK$78,524
baseline
▲ 0.50% · 4.625%
HK$83,302
+HK$4,778/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,048/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,203
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,407
−HK$2,237/mo
Today · 4.125%
HK$86,644
baseline
▲ 0.50% · 4.625%
HK$91,211
+HK$4,567/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,288/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,095 · Scale 2, in force from 26 Feb 2026)