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$43,310
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,657
−HK$1,368/mo
Today · 4.125%
HK$46,025
baseline
▲ 0.50% · 4.625%
HK$48,826
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,050/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,181
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,474
−HK$1,310/mo
Today · 4.125%
HK$50,784
baseline
▲ 0.50% · 4.625%
HK$53,461
+HK$2,677/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,568/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,971
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,588
−HK$1,642/mo
Today · 4.125%
HK$55,230
baseline
▲ 0.50% · 4.625%
HK$58,591
+HK$3,361/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,460/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,818
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,368
−HK$1,573/mo
Today · 4.125%
HK$60,941
baseline
▲ 0.50% · 4.625%
HK$64,154
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,882/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,633
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,519
−HK$1,917/mo
Today · 4.125%
HK$64,436
baseline
▲ 0.50% · 4.625%
HK$68,356
+HK$3,920/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,872/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,454
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,263
−HK$1,835/mo
Today · 4.125%
HK$71,098
baseline
▲ 0.50% · 4.625%
HK$74,846
+HK$3,748/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,196/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,957
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,382
−HK$2,464/mo
Today · 4.125%
HK$82,846
baseline
▲ 0.50% · 4.625%
HK$87,887
+HK$5,041/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,692/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,726
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,052
−HK$2,360/mo
Today · 4.125%
HK$91,412
baseline
▲ 0.50% · 4.625%
HK$96,231
+HK$4,819/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,824/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,248 · Scale 2, in force from 26 Feb 2026)