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$43,324
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,672
−HK$1,369/mo
Today · 4.125%
HK$46,041
baseline
▲ 0.50% · 4.625%
HK$48,842
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,082/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,197
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,490
−HK$1,311/mo
Today · 4.125%
HK$50,801
baseline
▲ 0.50% · 4.625%
HK$53,479
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,602/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,989
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,606
−HK$1,643/mo
Today · 4.125%
HK$55,249
baseline
▲ 0.50% · 4.625%
HK$58,611
+HK$3,362/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,498/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,837
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,388
−HK$1,574/mo
Today · 4.125%
HK$60,962
baseline
▲ 0.50% · 4.625%
HK$64,175
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,924/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,653
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,540
−HK$1,917/mo
Today · 4.125%
HK$64,457
baseline
▲ 0.50% · 4.625%
HK$68,379
+HK$3,922/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,914/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,476
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,286
−HK$1,836/mo
Today · 4.125%
HK$71,122
baseline
▲ 0.50% · 4.625%
HK$74,871
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,244/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,983
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,409
−HK$2,464/mo
Today · 4.125%
HK$82,873
baseline
▲ 0.50% · 4.625%
HK$87,916
+HK$5,043/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,746/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,755
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,082
−HK$2,360/mo
Today · 4.125%
HK$91,442
baseline
▲ 0.50% · 4.625%
HK$96,263
+HK$4,821/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,884/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,485 · Scale 2, in force from 26 Feb 2026)