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$42,187
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,333/mo
Today · 4.125%
HK$44,832
baseline
▲ 0.50% · 4.625%
HK$47,560
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,664/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,932
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,191
−HK$1,277/mo
Today · 4.125%
HK$49,468
baseline
▲ 0.50% · 4.625%
HK$52,075
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,936/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,624
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,199
−HK$1,599/mo
Today · 4.125%
HK$53,798
baseline
▲ 0.50% · 4.625%
HK$57,072
+HK$3,274/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,596/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,318
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,829
−HK$1,532/mo
Today · 4.125%
HK$59,361
baseline
▲ 0.50% · 4.625%
HK$62,490
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,722/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,061
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,898
−HK$1,867/mo
Today · 4.125%
HK$62,765
baseline
▲ 0.50% · 4.625%
HK$66,584
+HK$3,819/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,530/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,705
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,467
−HK$1,788/mo
Today · 4.125%
HK$69,255
baseline
▲ 0.50% · 4.625%
HK$72,905
+HK$3,650/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,510/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,936
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,298
−HK$2,400/mo
Today · 4.125%
HK$80,698
baseline
▲ 0.50% · 4.625%
HK$85,608
+HK$4,910/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,396/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,478
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,743
−HK$2,299/mo
Today · 4.125%
HK$89,042
baseline
▲ 0.50% · 4.625%
HK$93,735
+HK$4,693/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,084/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,780 · Scale 2, in force from 26 Feb 2026)