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$42,413
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,733
−HK$1,340/mo
Today · 4.125%
HK$45,073
baseline
▲ 0.50% · 4.625%
HK$47,816
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,146/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,184
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,450
−HK$1,284/mo
Today · 4.125%
HK$49,734
baseline
▲ 0.50% · 4.625%
HK$52,355
+HK$2,621/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,468/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,896
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,479
−HK$1,609/mo
Today · 4.125%
HK$54,088
baseline
▲ 0.50% · 4.625%
HK$57,379
+HK$3,291/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,176/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,621
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,140
−HK$1,540/mo
Today · 4.125%
HK$59,680
baseline
▲ 0.50% · 4.625%
HK$62,826
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,360/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,379
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,226
−HK$1,876/mo
Today · 4.125%
HK$63,102
baseline
▲ 0.50% · 4.625%
HK$66,942
+HK$3,840/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,204/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,058
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,830
−HK$1,797/mo
Today · 4.125%
HK$69,627
baseline
▲ 0.50% · 4.625%
HK$73,297
+HK$3,670/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,254/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,344
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,719
−HK$2,412/mo
Today · 4.125%
HK$81,131
baseline
▲ 0.50% · 4.625%
HK$86,068
+HK$4,937/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,262/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,932
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,210
−HK$2,310/mo
Today · 4.125%
HK$89,520
baseline
▲ 0.50% · 4.625%
HK$94,239
+HK$4,719/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,040/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,509 · Scale 2, in force from 26 Feb 2026)