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$42,205
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,518
−HK$1,334/mo
Today · 4.125%
HK$44,852
baseline
▲ 0.50% · 4.625%
HK$47,581
+HK$2,729/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,704/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,953
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,212
−HK$1,278/mo
Today · 4.125%
HK$49,490
baseline
▲ 0.50% · 4.625%
HK$52,098
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,980/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,646
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,222
−HK$1,600/mo
Today · 4.125%
HK$53,822
baseline
▲ 0.50% · 4.625%
HK$57,097
+HK$3,275/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$107,644/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,344
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,855
−HK$1,533/mo
Today · 4.125%
HK$59,388
baseline
▲ 0.50% · 4.625%
HK$62,518
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$118,776/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,088
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,925
−HK$1,868/mo
Today · 4.125%
HK$62,793
baseline
▲ 0.50% · 4.625%
HK$66,614
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,586/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,734
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,497
−HK$1,789/mo
Today · 4.125%
HK$69,286
baseline
▲ 0.50% · 4.625%
HK$72,938
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,572/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,970
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,333
−HK$2,401/mo
Today · 4.125%
HK$80,734
baseline
▲ 0.50% · 4.625%
HK$85,646
+HK$4,912/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,468/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$694,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,515
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,782
−HK$2,300/mo
Today · 4.125%
HK$89,082
baseline
▲ 0.50% · 4.625%
HK$93,777
+HK$4,695/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,164/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$694,090 · Scale 2, in force from 26 Feb 2026)