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$43,311
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,659
−HK$1,368/mo
Today · 4.125%
HK$46,027
baseline
▲ 0.50% · 4.625%
HK$48,828
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,054/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,183
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,476
−HK$1,311/mo
Today · 4.125%
HK$50,787
baseline
▲ 0.50% · 4.625%
HK$53,464
+HK$2,677/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,574/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,974
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,590
−HK$1,643/mo
Today · 4.125%
HK$55,233
baseline
▲ 0.50% · 4.625%
HK$58,594
+HK$3,361/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,466/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,820
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,371
−HK$1,573/mo
Today · 4.125%
HK$60,944
baseline
▲ 0.50% · 4.625%
HK$64,156
+HK$3,212/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,888/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,636
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,522
−HK$1,916/mo
Today · 4.125%
HK$64,438
baseline
▲ 0.50% · 4.625%
HK$68,359
+HK$3,921/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,876/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,457
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,266
−HK$1,835/mo
Today · 4.125%
HK$71,101
baseline
▲ 0.50% · 4.625%
HK$74,849
+HK$3,748/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,202/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,960
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,385
−HK$2,464/mo
Today · 4.125%
HK$82,849
baseline
▲ 0.50% · 4.625%
HK$87,890
+HK$5,041/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,698/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,730
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,056
−HK$2,360/mo
Today · 4.125%
HK$91,416
baseline
▲ 0.50% · 4.625%
HK$96,234
+HK$4,818/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,832/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,277 · Scale 2, in force from 26 Feb 2026)