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$41,048
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,325
−HK$1,297/mo
Today · 4.125%
HK$43,622
baseline
▲ 0.50% · 4.625%
HK$46,277
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,244/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,666
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,891
−HK$1,242/mo
Today · 4.125%
HK$48,133
baseline
▲ 0.50% · 4.625%
HK$50,670
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,266/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,258
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,790
−HK$1,557/mo
Today · 4.125%
HK$52,347
baseline
▲ 0.50% · 4.625%
HK$55,532
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,694/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,799
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,269
−HK$1,491/mo
Today · 4.125%
HK$57,760
baseline
▲ 0.50% · 4.625%
HK$60,804
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,520/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,468
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,255
−HK$1,816/mo
Today · 4.125%
HK$61,071
baseline
▲ 0.50% · 4.625%
HK$64,787
+HK$3,716/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,142/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,932
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,647
−HK$1,739/mo
Today · 4.125%
HK$67,386
baseline
▲ 0.50% · 4.625%
HK$70,938
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,772/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,887
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,185
−HK$2,335/mo
Today · 4.125%
HK$78,520
baseline
▲ 0.50% · 4.625%
HK$83,298
+HK$4,778/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,040/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,198
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,403
−HK$2,236/mo
Today · 4.125%
HK$86,639
baseline
▲ 0.50% · 4.625%
HK$91,206
+HK$4,567/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,278/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,061 · Scale 2, in force from 26 Feb 2026)