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$42,178
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,490
−HK$1,333/mo
Today · 4.125%
HK$44,823
baseline
▲ 0.50% · 4.625%
HK$47,550
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,646/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,923
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,181
−HK$1,277/mo
Today · 4.125%
HK$49,458
baseline
▲ 0.50% · 4.625%
HK$52,065
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,916/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,614
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,188
−HK$1,599/mo
Today · 4.125%
HK$53,787
baseline
▲ 0.50% · 4.625%
HK$57,060
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,574/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,307
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,817
−HK$1,532/mo
Today · 4.125%
HK$59,349
baseline
▲ 0.50% · 4.625%
HK$62,478
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,698/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,049
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,886
−HK$1,866/mo
Today · 4.125%
HK$62,752
baseline
▲ 0.50% · 4.625%
HK$66,570
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,504/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,692
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,453
−HK$1,788/mo
Today · 4.125%
HK$69,241
baseline
▲ 0.50% · 4.625%
HK$72,890
+HK$3,649/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,482/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,920
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,282
−HK$2,399/mo
Today · 4.125%
HK$80,681
baseline
▲ 0.50% · 4.625%
HK$85,590
+HK$4,909/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,362/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,461
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,726
−HK$2,298/mo
Today · 4.125%
HK$89,024
baseline
▲ 0.50% · 4.625%
HK$93,716
+HK$4,692/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,048/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,639 · Scale 2, in force from 26 Feb 2026)