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$42,425
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,745
−HK$1,341/mo
Today · 4.125%
HK$45,086
baseline
▲ 0.50% · 4.625%
HK$47,829
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,172/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,198
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,284/mo
Today · 4.125%
HK$49,748
baseline
▲ 0.50% · 4.625%
HK$52,370
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,496/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,910
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,494
−HK$1,609/mo
Today · 4.125%
HK$54,103
baseline
▲ 0.50% · 4.625%
HK$57,395
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,206/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,637
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,156
−HK$1,541/mo
Today · 4.125%
HK$59,697
baseline
▲ 0.50% · 4.625%
HK$62,844
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,394/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,395
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,243
−HK$1,877/mo
Today · 4.125%
HK$63,120
baseline
▲ 0.50% · 4.625%
HK$66,961
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,240/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,077
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,849
−HK$1,798/mo
Today · 4.125%
HK$69,647
baseline
▲ 0.50% · 4.625%
HK$73,318
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,294/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,366
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,741
−HK$2,413/mo
Today · 4.125%
HK$81,154
baseline
▲ 0.50% · 4.625%
HK$86,092
+HK$4,938/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,308/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,956
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,234
−HK$2,312/mo
Today · 4.125%
HK$89,546
baseline
▲ 0.50% · 4.625%
HK$94,266
+HK$4,720/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,092/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,707 · Scale 2, in force from 26 Feb 2026)