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$41,044
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,320
−HK$1,297/mo
Today · 4.125%
HK$43,617
baseline
▲ 0.50% · 4.625%
HK$46,271
+HK$2,654/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,234/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,661
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,885
−HK$1,242/mo
Today · 4.125%
HK$48,127
baseline
▲ 0.50% · 4.625%
HK$50,664
+HK$2,537/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,254/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,252
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,784
−HK$1,557/mo
Today · 4.125%
HK$52,341
baseline
▲ 0.50% · 4.625%
HK$55,526
+HK$3,185/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,682/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,793
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,262
−HK$1,491/mo
Today · 4.125%
HK$57,753
baseline
▲ 0.50% · 4.625%
HK$60,797
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,506/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,461
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,248
−HK$1,816/mo
Today · 4.125%
HK$61,064
baseline
▲ 0.50% · 4.625%
HK$64,780
+HK$3,716/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,128/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,925
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,639
−HK$1,739/mo
Today · 4.125%
HK$67,378
baseline
▲ 0.50% · 4.625%
HK$70,930
+HK$3,552/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,756/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,878
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,176
−HK$2,335/mo
Today · 4.125%
HK$78,511
baseline
▲ 0.50% · 4.625%
HK$83,288
+HK$4,777/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$157,022/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,189
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,393
−HK$2,236/mo
Today · 4.125%
HK$86,629
baseline
▲ 0.50% · 4.625%
HK$91,196
+HK$4,567/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,258/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,983 · Scale 2, in force from 26 Feb 2026)