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$41,057
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,335
−HK$1,297/mo
Today · 4.125%
HK$43,632
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,264/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,676
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,901
−HK$1,243/mo
Today · 4.125%
HK$48,144
baseline
▲ 0.50% · 4.625%
HK$50,681
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,288/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,269
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,801
−HK$1,558/mo
Today · 4.125%
HK$52,359
baseline
▲ 0.50% · 4.625%
HK$55,544
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,718/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,811
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,281
−HK$1,491/mo
Today · 4.125%
HK$57,772
baseline
▲ 0.50% · 4.625%
HK$60,818
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,544/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,480
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,268
−HK$1,817/mo
Today · 4.125%
HK$61,085
baseline
▲ 0.50% · 4.625%
HK$64,802
+HK$3,717/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,170/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,946
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,661
−HK$1,740/mo
Today · 4.125%
HK$67,401
baseline
▲ 0.50% · 4.625%
HK$70,954
+HK$3,553/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,802/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,903
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,202
−HK$2,336/mo
Today · 4.125%
HK$78,538
baseline
▲ 0.50% · 4.625%
HK$83,317
+HK$4,779/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,076/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,217
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,422
−HK$2,237/mo
Today · 4.125%
HK$86,659
baseline
▲ 0.50% · 4.625%
HK$91,227
+HK$4,568/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,318/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,211 · Scale 2, in force from 26 Feb 2026)