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$43,319
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,666
−HK$1,369/mo
Today · 4.125%
HK$46,035
baseline
▲ 0.50% · 4.625%
HK$48,836
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,070/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,192
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,484
−HK$1,311/mo
Today · 4.125%
HK$50,795
baseline
▲ 0.50% · 4.625%
HK$53,473
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,590/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,982
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,599
−HK$1,643/mo
Today · 4.125%
HK$55,242
baseline
▲ 0.50% · 4.625%
HK$58,604
+HK$3,362/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,484/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,830
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,381
−HK$1,573/mo
Today · 4.125%
HK$60,954
baseline
▲ 0.50% · 4.625%
HK$64,167
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,908/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,646
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,533
−HK$1,916/mo
Today · 4.125%
HK$64,449
baseline
▲ 0.50% · 4.625%
HK$68,371
+HK$3,922/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,898/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,468
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,278
−HK$1,835/mo
Today · 4.125%
HK$71,113
baseline
▲ 0.50% · 4.625%
HK$74,862
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,226/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,974
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,399
−HK$2,464/mo
Today · 4.125%
HK$82,863
baseline
▲ 0.50% · 4.625%
HK$87,905
+HK$5,042/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,726/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,745
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,071
−HK$2,360/mo
Today · 4.125%
HK$91,431
baseline
▲ 0.50% · 4.625%
HK$96,251
+HK$4,820/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,862/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,399 · Scale 2, in force from 26 Feb 2026)