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$43,314
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,661
−HK$1,369/mo
Today · 4.125%
HK$46,030
baseline
▲ 0.50% · 4.625%
HK$48,831
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,060/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,186
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,478
−HK$1,311/mo
Today · 4.125%
HK$50,789
baseline
▲ 0.50% · 4.625%
HK$53,467
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,578/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,977
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,593
−HK$1,643/mo
Today · 4.125%
HK$55,236
baseline
▲ 0.50% · 4.625%
HK$58,597
+HK$3,361/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,472/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,823
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,374
−HK$1,573/mo
Today · 4.125%
HK$60,947
baseline
▲ 0.50% · 4.625%
HK$64,160
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,894/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,639
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,526
−HK$1,916/mo
Today · 4.125%
HK$64,442
baseline
▲ 0.50% · 4.625%
HK$68,363
+HK$3,921/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,884/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,461
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,270
−HK$1,835/mo
Today · 4.125%
HK$71,105
baseline
▲ 0.50% · 4.625%
HK$74,853
+HK$3,748/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,210/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,965
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,390
−HK$2,464/mo
Today · 4.125%
HK$82,854
baseline
▲ 0.50% · 4.625%
HK$87,895
+HK$5,041/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,708/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,735
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,061
−HK$2,360/mo
Today · 4.125%
HK$91,421
baseline
▲ 0.50% · 4.625%
HK$96,240
+HK$4,819/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,842/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,318 · Scale 2, in force from 26 Feb 2026)