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$41,038
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,315
−HK$1,297/mo
Today · 4.125%
HK$43,612
baseline
▲ 0.50% · 4.625%
HK$46,266
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,224/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,655
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,879
−HK$1,242/mo
Today · 4.125%
HK$48,121
baseline
▲ 0.50% · 4.625%
HK$50,658
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,242/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,246
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,778
−HK$1,556/mo
Today · 4.125%
HK$52,334
baseline
▲ 0.50% · 4.625%
HK$55,519
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,668/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,786
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,255
−HK$1,491/mo
Today · 4.125%
HK$57,746
baseline
▲ 0.50% · 4.625%
HK$60,790
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,492/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,454
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,241
−HK$1,816/mo
Today · 4.125%
HK$61,057
baseline
▲ 0.50% · 4.625%
HK$64,772
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,114/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,917
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,631
−HK$1,739/mo
Today · 4.125%
HK$67,370
baseline
▲ 0.50% · 4.625%
HK$70,921
+HK$3,551/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,740/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,869
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,167
−HK$2,334/mo
Today · 4.125%
HK$78,501
baseline
▲ 0.50% · 4.625%
HK$83,278
+HK$4,777/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,002/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,179
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,383
−HK$2,236/mo
Today · 4.125%
HK$86,619
baseline
▲ 0.50% · 4.625%
HK$91,184
+HK$4,565/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,238/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,899 · Scale 2, in force from 26 Feb 2026)