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$42,194
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,506
−HK$1,334/mo
Today · 4.125%
HK$44,840
baseline
▲ 0.50% · 4.625%
HK$47,568
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,680/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,940
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,199
−HK$1,277/mo
Today · 4.125%
HK$49,476
baseline
▲ 0.50% · 4.625%
HK$52,084
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,952/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,633
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,208
−HK$1,600/mo
Today · 4.125%
HK$53,808
baseline
▲ 0.50% · 4.625%
HK$57,082
+HK$3,274/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,616/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,328
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,839
−HK$1,533/mo
Today · 4.125%
HK$59,372
baseline
▲ 0.50% · 4.625%
HK$62,501
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,744/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,072
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,909
−HK$1,867/mo
Today · 4.125%
HK$62,776
baseline
▲ 0.50% · 4.625%
HK$66,596
+HK$3,820/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,552/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,717
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,479
−HK$1,788/mo
Today · 4.125%
HK$69,267
baseline
▲ 0.50% · 4.625%
HK$72,918
+HK$3,651/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,534/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,949
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,312
−HK$2,400/mo
Today · 4.125%
HK$80,712
baseline
▲ 0.50% · 4.625%
HK$85,623
+HK$4,911/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,424/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,493
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,759
−HK$2,299/mo
Today · 4.125%
HK$89,058
baseline
▲ 0.50% · 4.625%
HK$93,752
+HK$4,694/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,116/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,903 · Scale 2, in force from 26 Feb 2026)