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$42,206
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,519
−HK$1,334/mo
Today · 4.125%
HK$44,853
baseline
▲ 0.50% · 4.625%
HK$47,582
+HK$2,729/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,706/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,954
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,213
−HK$1,278/mo
Today · 4.125%
HK$49,491
baseline
▲ 0.50% · 4.625%
HK$52,100
+HK$2,609/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,982/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,648
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,223
−HK$1,601/mo
Today · 4.125%
HK$53,824
baseline
▲ 0.50% · 4.625%
HK$57,099
+HK$3,275/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$107,648/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,345
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,856
−HK$1,533/mo
Today · 4.125%
HK$59,389
baseline
▲ 0.50% · 4.625%
HK$62,519
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.11M · min. income ≈ HK$118,778/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,089
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,927
−HK$1,867/mo
Today · 4.125%
HK$62,794
baseline
▲ 0.50% · 4.625%
HK$66,615
+HK$3,821/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,588/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,736
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,499
−HK$1,788/mo
Today · 4.125%
HK$69,287
baseline
▲ 0.50% · 4.625%
HK$72,939
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,574/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,971
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,334
−HK$2,401/mo
Today · 4.125%
HK$80,735
baseline
▲ 0.50% · 4.625%
HK$85,648
+HK$4,913/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,470/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,517
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,784
−HK$2,299/mo
Today · 4.125%
HK$89,083
baseline
▲ 0.50% · 4.625%
HK$93,779
+HK$4,696/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,166/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,104 · Scale 2, in force from 26 Feb 2026)