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$41,056
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,333
−HK$1,298/mo
Today · 4.125%
HK$43,631
baseline
▲ 0.50% · 4.625%
HK$46,286
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,262/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,675
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,900
−HK$1,242/mo
Today · 4.125%
HK$48,142
baseline
▲ 0.50% · 4.625%
HK$50,680
+HK$2,538/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,284/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,268
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,800
−HK$1,557/mo
Today · 4.125%
HK$52,357
baseline
▲ 0.50% · 4.625%
HK$55,543
+HK$3,186/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,714/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,810
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,280
−HK$1,491/mo
Today · 4.125%
HK$57,771
baseline
▲ 0.50% · 4.625%
HK$60,816
+HK$3,045/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,542/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,479
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,267
−HK$1,816/mo
Today · 4.125%
HK$61,083
baseline
▲ 0.50% · 4.625%
HK$64,800
+HK$3,717/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,166/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,945
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,660
−HK$1,739/mo
Today · 4.125%
HK$67,399
baseline
▲ 0.50% · 4.625%
HK$70,952
+HK$3,553/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,798/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,901
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,200
−HK$2,336/mo
Today · 4.125%
HK$78,536
baseline
▲ 0.50% · 4.625%
HK$83,314
+HK$4,778/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,072/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,215
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,419
−HK$2,237/mo
Today · 4.125%
HK$86,656
baseline
▲ 0.50% · 4.625%
HK$91,224
+HK$4,568/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,312/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,193 · Scale 2, in force from 26 Feb 2026)