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$42,393
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,711
−HK$1,340/mo
Today · 4.125%
HK$45,051
baseline
▲ 0.50% · 4.625%
HK$47,792
+HK$2,741/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,102/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,161
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,426
−HK$1,283/mo
Today · 4.125%
HK$49,709
baseline
▲ 0.50% · 4.625%
HK$52,330
+HK$2,621/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,418/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,871
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,454
−HK$1,607/mo
Today · 4.125%
HK$54,061
baseline
▲ 0.50% · 4.625%
HK$57,351
+HK$3,290/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$108,122/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,594
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,112
−HK$1,539/mo
Today · 4.125%
HK$59,651
baseline
▲ 0.50% · 4.625%
HK$62,796
+HK$3,145/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$119,302/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,350
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,196
−HK$1,876/mo
Today · 4.125%
HK$63,072
baseline
▲ 0.50% · 4.625%
HK$66,909
+HK$3,837/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,144/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,026
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,797
−HK$1,796/mo
Today · 4.125%
HK$69,593
baseline
▲ 0.50% · 4.625%
HK$73,262
+HK$3,669/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,186/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,307
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,680
−HK$2,412/mo
Today · 4.125%
HK$81,092
baseline
▲ 0.50% · 4.625%
HK$86,026
+HK$4,934/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,184/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,891
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,167
−HK$2,310/mo
Today · 4.125%
HK$89,477
baseline
▲ 0.50% · 4.625%
HK$94,193
+HK$4,716/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,954/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,170 · Scale 2, in force from 26 Feb 2026)