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$42,437
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,757
−HK$1,341/mo
Today · 4.125%
HK$45,098
baseline
▲ 0.50% · 4.625%
HK$47,842
+HK$2,744/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,196/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,211
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,477
−HK$1,284/mo
Today · 4.125%
HK$49,761
baseline
▲ 0.50% · 4.625%
HK$52,384
+HK$2,623/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,522/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,924
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,508
−HK$1,610/mo
Today · 4.125%
HK$54,118
baseline
▲ 0.50% · 4.625%
HK$57,411
+HK$3,293/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$108,236/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,653
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,172
−HK$1,542/mo
Today · 4.125%
HK$59,714
baseline
▲ 0.50% · 4.625%
HK$62,861
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$119,428/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,412
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,260
−HK$1,877/mo
Today · 4.125%
HK$63,137
baseline
▲ 0.50% · 4.625%
HK$66,979
+HK$3,842/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,274/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,095
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,868
−HK$1,798/mo
Today · 4.125%
HK$69,666
baseline
▲ 0.50% · 4.625%
HK$73,338
+HK$3,672/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,332/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,386
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,763
−HK$2,414/mo
Today · 4.125%
HK$81,177
baseline
▲ 0.50% · 4.625%
HK$86,116
+HK$4,939/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,354/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,979
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,258
−HK$2,312/mo
Today · 4.125%
HK$89,570
baseline
▲ 0.50% · 4.625%
HK$94,292
+HK$4,722/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,140/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,898 · Scale 2, in force from 26 Feb 2026)