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$42,175
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,487
−HK$1,333/mo
Today · 4.125%
HK$44,820
baseline
▲ 0.50% · 4.625%
HK$47,547
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,640/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,919
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,178
−HK$1,276/mo
Today · 4.125%
HK$49,454
baseline
▲ 0.50% · 4.625%
HK$52,061
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,908/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,610
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,184
−HK$1,600/mo
Today · 4.125%
HK$53,784
baseline
▲ 0.50% · 4.625%
HK$57,056
+HK$3,272/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,568/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,303
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,813
−HK$1,532/mo
Today · 4.125%
HK$59,345
baseline
▲ 0.50% · 4.625%
HK$62,473
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,690/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,045
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,882
−HK$1,866/mo
Today · 4.125%
HK$62,748
baseline
▲ 0.50% · 4.625%
HK$66,566
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,496/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,687
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,449
−HK$1,787/mo
Today · 4.125%
HK$69,236
baseline
▲ 0.50% · 4.625%
HK$72,886
+HK$3,650/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,472/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,915
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,277
−HK$2,399/mo
Today · 4.125%
HK$80,676
baseline
▲ 0.50% · 4.625%
HK$85,585
+HK$4,909/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,352/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,455
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,720
−HK$2,298/mo
Today · 4.125%
HK$89,018
baseline
▲ 0.50% · 4.625%
HK$93,710
+HK$4,692/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,036/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,592 · Scale 2, in force from 26 Feb 2026)