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$42,419
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,738
−HK$1,341/mo
Today · 4.125%
HK$45,079
baseline
▲ 0.50% · 4.625%
HK$47,822
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,158/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,190
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,456
−HK$1,284/mo
Today · 4.125%
HK$49,740
baseline
▲ 0.50% · 4.625%
HK$52,362
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,480/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,902
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,486
−HK$1,608/mo
Today · 4.125%
HK$54,094
baseline
▲ 0.50% · 4.625%
HK$57,386
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,188/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,628
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,147
−HK$1,541/mo
Today · 4.125%
HK$59,688
baseline
▲ 0.50% · 4.625%
HK$62,834
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,376/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,386
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,233
−HK$1,877/mo
Today · 4.125%
HK$63,110
baseline
▲ 0.50% · 4.625%
HK$66,950
+HK$3,840/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,220/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,066
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,838
−HK$1,798/mo
Today · 4.125%
HK$69,636
baseline
▲ 0.50% · 4.625%
HK$73,306
+HK$3,670/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,272/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,353
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,728
−HK$2,413/mo
Today · 4.125%
HK$81,141
baseline
▲ 0.50% · 4.625%
HK$86,079
+HK$4,938/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,282/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,942
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,221
−HK$2,311/mo
Today · 4.125%
HK$89,532
baseline
▲ 0.50% · 4.625%
HK$94,251
+HK$4,719/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,064/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,596 · Scale 2, in force from 26 Feb 2026)