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$42,399
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,718
−HK$1,340/mo
Today · 4.125%
HK$45,058
baseline
▲ 0.50% · 4.625%
HK$47,800
+HK$2,742/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,116/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,169
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,434
−HK$1,283/mo
Today · 4.125%
HK$49,717
baseline
▲ 0.50% · 4.625%
HK$52,338
+HK$2,621/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,434/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,879
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,462
−HK$1,608/mo
Today · 4.125%
HK$54,070
baseline
▲ 0.50% · 4.625%
HK$57,360
+HK$3,290/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,140/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,603
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,121
−HK$1,540/mo
Today · 4.125%
HK$59,661
baseline
▲ 0.50% · 4.625%
HK$62,806
+HK$3,145/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,322/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,359
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,206
−HK$1,876/mo
Today · 4.125%
HK$63,082
baseline
▲ 0.50% · 4.625%
HK$66,920
+HK$3,838/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,164/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,037
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,808
−HK$1,796/mo
Today · 4.125%
HK$69,604
baseline
▲ 0.50% · 4.625%
HK$73,273
+HK$3,669/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,208/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,319
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,693
−HK$2,412/mo
Today · 4.125%
HK$81,105
baseline
▲ 0.50% · 4.625%
HK$86,040
+HK$4,935/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,210/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,904
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,181
−HK$2,310/mo
Today · 4.125%
HK$89,491
baseline
▲ 0.50% · 4.625%
HK$94,208
+HK$4,717/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,982/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,281 · Scale 2, in force from 26 Feb 2026)