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$41,051
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,328
−HK$1,298/mo
Today · 4.125%
HK$43,626
baseline
▲ 0.50% · 4.625%
HK$46,280
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,252/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,669
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,894
−HK$1,243/mo
Today · 4.125%
HK$48,137
baseline
▲ 0.50% · 4.625%
HK$50,674
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,274/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,262
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,794
−HK$1,557/mo
Today · 4.125%
HK$52,351
baseline
▲ 0.50% · 4.625%
HK$55,536
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,702/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,803
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,273
−HK$1,491/mo
Today · 4.125%
HK$57,764
baseline
▲ 0.50% · 4.625%
HK$60,809
+HK$3,045/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,528/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,472
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,259
−HK$1,817/mo
Today · 4.125%
HK$61,076
baseline
▲ 0.50% · 4.625%
HK$64,792
+HK$3,716/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,152/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,937
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,652
−HK$1,739/mo
Today · 4.125%
HK$67,391
baseline
▲ 0.50% · 4.625%
HK$70,943
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,782/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,892
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,191
−HK$2,335/mo
Today · 4.125%
HK$78,526
baseline
▲ 0.50% · 4.625%
HK$83,304
+HK$4,778/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,052/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,204
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,409
−HK$2,237/mo
Today · 4.125%
HK$86,646
baseline
▲ 0.50% · 4.625%
HK$91,213
+HK$4,567/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,292/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,110 · Scale 2, in force from 26 Feb 2026)