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$41,049
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,326
−HK$1,298/mo
Today · 4.125%
HK$43,624
baseline
▲ 0.50% · 4.625%
HK$46,278
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,248/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,667
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,892
−HK$1,242/mo
Today · 4.125%
HK$48,134
baseline
▲ 0.50% · 4.625%
HK$50,672
+HK$2,538/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,268/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,259
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,792
−HK$1,556/mo
Today · 4.125%
HK$52,348
baseline
▲ 0.50% · 4.625%
HK$55,534
+HK$3,186/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,696/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,801
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,270
−HK$1,491/mo
Today · 4.125%
HK$57,761
baseline
▲ 0.50% · 4.625%
HK$60,806
+HK$3,045/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,522/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,469
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,257
−HK$1,816/mo
Today · 4.125%
HK$61,073
baseline
▲ 0.50% · 4.625%
HK$64,789
+HK$3,716/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,146/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,934
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,649
−HK$1,739/mo
Today · 4.125%
HK$67,388
baseline
▲ 0.50% · 4.625%
HK$70,940
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,776/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,889
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,187
−HK$2,335/mo
Today · 4.125%
HK$78,522
baseline
▲ 0.50% · 4.625%
HK$83,300
+HK$4,778/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,044/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,201
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,405
−HK$2,237/mo
Today · 4.125%
HK$86,642
baseline
▲ 0.50% · 4.625%
HK$91,209
+HK$4,567/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,284/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,080 · Scale 2, in force from 26 Feb 2026)