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$43,343
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,691
−HK$1,370/mo
Today · 4.125%
HK$46,061
baseline
▲ 0.50% · 4.625%
HK$48,864
+HK$2,803/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,122/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,219
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,512
−HK$1,312/mo
Today · 4.125%
HK$50,824
baseline
▲ 0.50% · 4.625%
HK$53,503
+HK$2,679/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,648/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,011
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,629
−HK$1,644/mo
Today · 4.125%
HK$55,273
baseline
▲ 0.50% · 4.625%
HK$58,636
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,546/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,862
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,414
−HK$1,574/mo
Today · 4.125%
HK$60,988
baseline
▲ 0.50% · 4.625%
HK$64,203
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,976/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,680
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,568
−HK$1,917/mo
Today · 4.125%
HK$64,485
baseline
▲ 0.50% · 4.625%
HK$68,409
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,970/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,506
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,316
−HK$1,837/mo
Today · 4.125%
HK$71,153
baseline
▲ 0.50% · 4.625%
HK$74,904
+HK$3,751/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,306/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,017
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,444
−HK$2,466/mo
Today · 4.125%
HK$82,910
baseline
▲ 0.50% · 4.625%
HK$87,954
+HK$5,044/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,820/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,793
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,121
−HK$2,362/mo
Today · 4.125%
HK$91,483
baseline
▲ 0.50% · 4.625%
HK$96,305
+HK$4,822/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,966/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,797 · Scale 2, in force from 26 Feb 2026)