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$43,338
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,686
−HK$1,369/mo
Today · 4.125%
HK$46,055
baseline
▲ 0.50% · 4.625%
HK$48,858
+HK$2,803/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,110/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,213
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,506
−HK$1,312/mo
Today · 4.125%
HK$50,818
baseline
▲ 0.50% · 4.625%
HK$53,496
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,636/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,005
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,623
−HK$1,644/mo
Today · 4.125%
HK$55,267
baseline
▲ 0.50% · 4.625%
HK$58,629
+HK$3,362/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,534/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,855
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,407
−HK$1,574/mo
Today · 4.125%
HK$60,981
baseline
▲ 0.50% · 4.625%
HK$64,196
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,962/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,673
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,560
−HK$1,918/mo
Today · 4.125%
HK$64,478
baseline
▲ 0.50% · 4.625%
HK$68,401
+HK$3,923/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,956/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,498
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,308
−HK$1,837/mo
Today · 4.125%
HK$71,145
baseline
▲ 0.50% · 4.625%
HK$74,895
+HK$3,750/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,290/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,008
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,435
−HK$2,465/mo
Today · 4.125%
HK$82,900
baseline
▲ 0.50% · 4.625%
HK$87,944
+HK$5,044/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,800/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,783
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,111
−HK$2,361/mo
Today · 4.125%
HK$91,472
baseline
▲ 0.50% · 4.625%
HK$96,293
+HK$4,821/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,944/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,714 · Scale 2, in force from 26 Feb 2026)