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$41,041
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,317
−HK$1,297/mo
Today · 4.125%
HK$43,614
baseline
▲ 0.50% · 4.625%
HK$46,268
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,228/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,657
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,882
−HK$1,242/mo
Today · 4.125%
HK$48,124
baseline
▲ 0.50% · 4.625%
HK$50,661
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,248/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,249
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,781
−HK$1,556/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,522
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,789
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,258
−HK$1,491/mo
Today · 4.125%
HK$57,749
baseline
▲ 0.50% · 4.625%
HK$60,793
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,498/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,457
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,244
−HK$1,816/mo
Today · 4.125%
HK$61,060
baseline
▲ 0.50% · 4.625%
HK$64,775
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,120/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,920
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,634
−HK$1,739/mo
Today · 4.125%
HK$67,373
baseline
▲ 0.50% · 4.625%
HK$70,925
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,746/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,873
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,171
−HK$2,334/mo
Today · 4.125%
HK$78,505
baseline
▲ 0.50% · 4.625%
HK$83,282
+HK$4,777/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,010/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,183
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,387
−HK$2,236/mo
Today · 4.125%
HK$86,623
baseline
▲ 0.50% · 4.625%
HK$91,189
+HK$4,566/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,246/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,933 · Scale 2, in force from 26 Feb 2026)