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$41,029
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,305
−HK$1,297/mo
Today · 4.125%
HK$43,602
baseline
▲ 0.50% · 4.625%
HK$46,255
+HK$2,653/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,204/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,644
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,868
−HK$1,242/mo
Today · 4.125%
HK$48,110
baseline
▲ 0.50% · 4.625%
HK$50,646
+HK$2,536/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,220/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,234
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,766
−HK$1,556/mo
Today · 4.125%
HK$52,322
baseline
▲ 0.50% · 4.625%
HK$55,506
+HK$3,184/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,644/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,773
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,242
−HK$1,490/mo
Today · 4.125%
HK$57,732
baseline
▲ 0.50% · 4.625%
HK$60,775
+HK$3,043/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,464/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,440
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,227
−HK$1,815/mo
Today · 4.125%
HK$61,042
baseline
▲ 0.50% · 4.625%
HK$64,757
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,084/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,902
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,615
−HK$1,739/mo
Today · 4.125%
HK$67,354
baseline
▲ 0.50% · 4.625%
HK$70,904
+HK$3,550/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,708/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,852
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,149
−HK$2,334/mo
Today · 4.125%
HK$78,483
baseline
▲ 0.50% · 4.625%
HK$83,258
+HK$4,775/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,966/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,159
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,363
−HK$2,235/mo
Today · 4.125%
HK$86,598
baseline
▲ 0.50% · 4.625%
HK$91,163
+HK$4,565/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,196/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,739 · Scale 2, in force from 26 Feb 2026)