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$42,165
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,477
−HK$1,333/mo
Today · 4.125%
HK$44,810
baseline
▲ 0.50% · 4.625%
HK$47,536
+HK$2,726/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,620/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,909
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,167
−HK$1,276/mo
Today · 4.125%
HK$49,443
baseline
▲ 0.50% · 4.625%
HK$52,049
+HK$2,606/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,886/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,599
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,172
−HK$1,600/mo
Today · 4.125%
HK$53,772
baseline
▲ 0.50% · 4.625%
HK$57,043
+HK$3,271/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$107,544/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,290
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,800
−HK$1,532/mo
Today · 4.125%
HK$59,332
baseline
▲ 0.50% · 4.625%
HK$62,459
+HK$3,127/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$118,664/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,032
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,868
−HK$1,865/mo
Today · 4.125%
HK$62,733
baseline
▲ 0.50% · 4.625%
HK$66,551
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,466/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,672
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,433
−HK$1,787/mo
Today · 4.125%
HK$69,220
baseline
▲ 0.50% · 4.625%
HK$72,869
+HK$3,649/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,440/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,898
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,259
−HK$2,398/mo
Today · 4.125%
HK$80,657
baseline
▲ 0.50% · 4.625%
HK$85,565
+HK$4,908/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,314/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,436
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,700
−HK$2,297/mo
Today · 4.125%
HK$88,997
baseline
▲ 0.50% · 4.625%
HK$93,689
+HK$4,692/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,994/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,434 · Scale 2, in force from 26 Feb 2026)