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$42,188
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,501
−HK$1,333/mo
Today · 4.125%
HK$44,834
baseline
▲ 0.50% · 4.625%
HK$47,562
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,668/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,934
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,193
−HK$1,277/mo
Today · 4.125%
HK$49,470
baseline
▲ 0.50% · 4.625%
HK$52,078
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,940/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,626
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,201
−HK$1,600/mo
Today · 4.125%
HK$53,801
baseline
▲ 0.50% · 4.625%
HK$57,074
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,602/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,321
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,832
−HK$1,532/mo
Today · 4.125%
HK$59,364
baseline
▲ 0.50% · 4.625%
HK$62,493
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,728/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,064
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,901
−HK$1,867/mo
Today · 4.125%
HK$62,768
baseline
▲ 0.50% · 4.625%
HK$66,587
+HK$3,819/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,536/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,708
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,470
−HK$1,788/mo
Today · 4.125%
HK$69,258
baseline
▲ 0.50% · 4.625%
HK$72,909
+HK$3,651/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,516/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,939
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,301
−HK$2,400/mo
Today · 4.125%
HK$80,701
baseline
▲ 0.50% · 4.625%
HK$85,612
+HK$4,911/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,402/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,482
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,747
−HK$2,299/mo
Today · 4.125%
HK$89,046
baseline
▲ 0.50% · 4.625%
HK$93,740
+HK$4,694/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,092/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,811 · Scale 2, in force from 26 Feb 2026)