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$43,335
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,683
−HK$1,370/mo
Today · 4.125%
HK$46,053
baseline
▲ 0.50% · 4.625%
HK$48,855
+HK$2,802/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,106/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,210
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,503
−HK$1,312/mo
Today · 4.125%
HK$50,815
baseline
▲ 0.50% · 4.625%
HK$53,493
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,630/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,002
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,620
−HK$1,643/mo
Today · 4.125%
HK$55,263
baseline
▲ 0.50% · 4.625%
HK$58,626
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,526/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,852
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,404
−HK$1,574/mo
Today · 4.125%
HK$60,978
baseline
▲ 0.50% · 4.625%
HK$64,192
+HK$3,214/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,956/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,669
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,556
−HK$1,918/mo
Today · 4.125%
HK$64,474
baseline
▲ 0.50% · 4.625%
HK$68,397
+HK$3,923/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,948/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,494
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,304
−HK$1,836/mo
Today · 4.125%
HK$71,140
baseline
▲ 0.50% · 4.625%
HK$74,890
+HK$3,750/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,280/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,003
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,430
−HK$2,465/mo
Today · 4.125%
HK$82,895
baseline
▲ 0.50% · 4.625%
HK$87,939
+HK$5,044/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,790/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,778
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,105
−HK$2,361/mo
Today · 4.125%
HK$91,466
baseline
▲ 0.50% · 4.625%
HK$96,288
+HK$4,822/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,932/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,671 · Scale 2, in force from 26 Feb 2026)