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$42,437
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,757
−HK$1,341/mo
Today · 4.125%
HK$45,098
baseline
▲ 0.50% · 4.625%
HK$47,842
+HK$2,744/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,196/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,210
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,476
−HK$1,285/mo
Today · 4.125%
HK$49,761
baseline
▲ 0.50% · 4.625%
HK$52,384
+HK$2,623/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,522/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,924
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,508
−HK$1,609/mo
Today · 4.125%
HK$54,117
baseline
▲ 0.50% · 4.625%
HK$57,410
+HK$3,293/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$108,234/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,652
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,172
−HK$1,541/mo
Today · 4.125%
HK$59,713
baseline
▲ 0.50% · 4.625%
HK$62,861
+HK$3,148/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$119,426/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,411
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,259
−HK$1,878/mo
Today · 4.125%
HK$63,137
baseline
▲ 0.50% · 4.625%
HK$66,979
+HK$3,842/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,274/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,094
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,867
−HK$1,798/mo
Today · 4.125%
HK$69,665
baseline
▲ 0.50% · 4.625%
HK$73,337
+HK$3,672/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,330/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,386
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,762
−HK$2,414/mo
Today · 4.125%
HK$81,176
baseline
▲ 0.50% · 4.625%
HK$86,115
+HK$4,939/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,352/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,978
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,258
−HK$2,312/mo
Today · 4.125%
HK$89,570
baseline
▲ 0.50% · 4.625%
HK$94,291
+HK$4,721/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,140/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,892 · Scale 2, in force from 26 Feb 2026)