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$42,424
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,743
−HK$1,341/mo
Today · 4.125%
HK$45,084
baseline
▲ 0.50% · 4.625%
HK$47,827
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,168/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,196
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,462
−HK$1,284/mo
Today · 4.125%
HK$49,746
baseline
▲ 0.50% · 4.625%
HK$52,368
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,492/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,909
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,492
−HK$1,609/mo
Today · 4.125%
HK$54,101
baseline
▲ 0.50% · 4.625%
HK$57,393
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,202/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,635
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,154
−HK$1,541/mo
Today · 4.125%
HK$59,695
baseline
▲ 0.50% · 4.625%
HK$62,842
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,390/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,393
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,241
−HK$1,877/mo
Today · 4.125%
HK$63,118
baseline
▲ 0.50% · 4.625%
HK$66,958
+HK$3,840/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,236/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,075
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,847
−HK$1,797/mo
Today · 4.125%
HK$69,644
baseline
▲ 0.50% · 4.625%
HK$73,315
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,288/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,363
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,738
−HK$2,414/mo
Today · 4.125%
HK$81,152
baseline
▲ 0.50% · 4.625%
HK$86,089
+HK$4,937/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,304/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,953
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,231
−HK$2,312/mo
Today · 4.125%
HK$89,543
baseline
▲ 0.50% · 4.625%
HK$94,263
+HK$4,720/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,086/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,683 · Scale 2, in force from 26 Feb 2026)