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$42,187
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,333/mo
Today · 4.125%
HK$44,832
baseline
▲ 0.50% · 4.625%
HK$47,560
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,664/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,933
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,191
−HK$1,277/mo
Today · 4.125%
HK$49,468
baseline
▲ 0.50% · 4.625%
HK$52,076
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,936/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,624
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,199
−HK$1,600/mo
Today · 4.125%
HK$53,799
baseline
▲ 0.50% · 4.625%
HK$57,072
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,598/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,319
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,830
−HK$1,532/mo
Today · 4.125%
HK$59,362
baseline
▲ 0.50% · 4.625%
HK$62,491
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,724/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,062
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,899
−HK$1,866/mo
Today · 4.125%
HK$62,765
baseline
▲ 0.50% · 4.625%
HK$66,585
+HK$3,820/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,530/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,706
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,468
−HK$1,787/mo
Today · 4.125%
HK$69,255
baseline
▲ 0.50% · 4.625%
HK$72,906
+HK$3,651/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,510/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,937
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,299
−HK$2,399/mo
Today · 4.125%
HK$80,698
baseline
▲ 0.50% · 4.625%
HK$85,609
+HK$4,911/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,396/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,479
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,744
−HK$2,299/mo
Today · 4.125%
HK$89,043
baseline
▲ 0.50% · 4.625%
HK$93,736
+HK$4,693/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,086/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,787 · Scale 2, in force from 26 Feb 2026)