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$42,181
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,493
−HK$1,333/mo
Today · 4.125%
HK$44,826
baseline
▲ 0.50% · 4.625%
HK$47,554
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,652/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,926
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,185
−HK$1,276/mo
Today · 4.125%
HK$49,461
baseline
▲ 0.50% · 4.625%
HK$52,069
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,922/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,617
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,192
−HK$1,600/mo
Today · 4.125%
HK$53,792
baseline
▲ 0.50% · 4.625%
HK$57,065
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,584/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,311
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,822
−HK$1,532/mo
Today · 4.125%
HK$59,354
baseline
▲ 0.50% · 4.625%
HK$62,482
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,708/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,054
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,891
−HK$1,866/mo
Today · 4.125%
HK$62,757
baseline
▲ 0.50% · 4.625%
HK$66,575
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,514/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,697
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,459
−HK$1,787/mo
Today · 4.125%
HK$69,246
baseline
▲ 0.50% · 4.625%
HK$72,896
+HK$3,650/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,492/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,926
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,288
−HK$2,399/mo
Today · 4.125%
HK$80,687
baseline
▲ 0.50% · 4.625%
HK$85,597
+HK$4,910/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,374/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,467
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,732
−HK$2,298/mo
Today · 4.125%
HK$89,030
baseline
▲ 0.50% · 4.625%
HK$93,723
+HK$4,693/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,060/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,692 · Scale 2, in force from 26 Feb 2026)