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$42,177
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,489
−HK$1,333/mo
Today · 4.125%
HK$44,822
baseline
▲ 0.50% · 4.625%
HK$47,549
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,644/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,921
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,180
−HK$1,276/mo
Today · 4.125%
HK$49,456
baseline
▲ 0.50% · 4.625%
HK$52,063
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,912/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,612
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,187
−HK$1,599/mo
Today · 4.125%
HK$53,786
baseline
▲ 0.50% · 4.625%
HK$57,059
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,572/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,306
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,816
−HK$1,532/mo
Today · 4.125%
HK$59,348
baseline
▲ 0.50% · 4.625%
HK$62,476
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,696/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,048
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,884
−HK$1,866/mo
Today · 4.125%
HK$62,750
baseline
▲ 0.50% · 4.625%
HK$66,569
+HK$3,819/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,500/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,690
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,452
−HK$1,787/mo
Today · 4.125%
HK$69,239
baseline
▲ 0.50% · 4.625%
HK$72,889
+HK$3,650/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,478/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,918
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,280
−HK$2,399/mo
Today · 4.125%
HK$80,679
baseline
▲ 0.50% · 4.625%
HK$85,588
+HK$4,909/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,358/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,458
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,724
−HK$2,297/mo
Today · 4.125%
HK$89,021
baseline
▲ 0.50% · 4.625%
HK$93,714
+HK$4,693/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,042/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,621 · Scale 2, in force from 26 Feb 2026)