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$42,181
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,493
−HK$1,333/mo
Today · 4.125%
HK$44,826
baseline
▲ 0.50% · 4.625%
HK$47,553
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,652/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,925
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,184
−HK$1,277/mo
Today · 4.125%
HK$49,461
baseline
▲ 0.50% · 4.625%
HK$52,068
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,922/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,617
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,191
−HK$1,600/mo
Today · 4.125%
HK$53,791
baseline
▲ 0.50% · 4.625%
HK$57,064
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,582/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,311
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,821
−HK$1,532/mo
Today · 4.125%
HK$59,353
baseline
▲ 0.50% · 4.625%
HK$62,481
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,706/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,053
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,890
−HK$1,866/mo
Today · 4.125%
HK$62,756
baseline
▲ 0.50% · 4.625%
HK$66,574
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,512/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,696
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,458
−HK$1,787/mo
Today · 4.125%
HK$69,245
baseline
▲ 0.50% · 4.625%
HK$72,895
+HK$3,650/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,490/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,925
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,287
−HK$2,399/mo
Today · 4.125%
HK$80,686
baseline
▲ 0.50% · 4.625%
HK$85,596
+HK$4,910/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,372/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,466
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,731
−HK$2,298/mo
Today · 4.125%
HK$89,029
baseline
▲ 0.50% · 4.625%
HK$93,722
+HK$4,693/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,058/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,682 · Scale 2, in force from 26 Feb 2026)