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$43,331
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,678
−HK$1,370/mo
Today · 4.125%
HK$46,048
baseline
▲ 0.50% · 4.625%
HK$48,850
+HK$2,802/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,096/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,205
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,498
−HK$1,311/mo
Today · 4.125%
HK$50,809
baseline
▲ 0.50% · 4.625%
HK$53,487
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,618/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,997
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,614
−HK$1,643/mo
Today · 4.125%
HK$55,257
baseline
▲ 0.50% · 4.625%
HK$58,620
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,514/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,846
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,397
−HK$1,574/mo
Today · 4.125%
HK$60,971
baseline
▲ 0.50% · 4.625%
HK$64,185
+HK$3,214/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,942/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,663
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,550
−HK$1,917/mo
Today · 4.125%
HK$64,467
baseline
▲ 0.50% · 4.625%
HK$68,390
+HK$3,923/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,934/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,487
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,297
−HK$1,836/mo
Today · 4.125%
HK$71,133
baseline
▲ 0.50% · 4.625%
HK$74,882
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,266/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,995
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,421
−HK$2,465/mo
Today · 4.125%
HK$82,886
baseline
▲ 0.50% · 4.625%
HK$87,930
+HK$5,044/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,772/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,769
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,096
−HK$2,361/mo
Today · 4.125%
HK$91,457
baseline
▲ 0.50% · 4.625%
HK$96,277
+HK$4,820/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,914/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,595 · Scale 2, in force from 26 Feb 2026)