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$41,067
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,344
−HK$1,298/mo
Today · 4.125%
HK$43,642
baseline
▲ 0.50% · 4.625%
HK$46,298
+HK$2,656/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,284/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,686
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,912
−HK$1,243/mo
Today · 4.125%
HK$48,155
baseline
▲ 0.50% · 4.625%
HK$50,693
+HK$2,538/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,310/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,813
−HK$1,557/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,557
+HK$3,187/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,824
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,294
−HK$1,492/mo
Today · 4.125%
HK$57,786
baseline
▲ 0.50% · 4.625%
HK$60,832
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,572/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,494
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,282
−HK$1,817/mo
Today · 4.125%
HK$61,099
baseline
▲ 0.50% · 4.625%
HK$64,817
+HK$3,718/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,198/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,961
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,676
−HK$1,741/mo
Today · 4.125%
HK$67,417
baseline
▲ 0.50% · 4.625%
HK$70,970
+HK$3,553/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,834/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,920
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,220
−HK$2,336/mo
Today · 4.125%
HK$78,556
baseline
▲ 0.50% · 4.625%
HK$83,336
+HK$4,780/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,112/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,236
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,441
−HK$2,237/mo
Today · 4.125%
HK$86,678
baseline
▲ 0.50% · 4.625%
HK$91,247
+HK$4,569/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,356/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,366 · Scale 2, in force from 26 Feb 2026)