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$42,203
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,515
−HK$1,334/mo
Today · 4.125%
HK$44,849
baseline
▲ 0.50% · 4.625%
HK$47,578
+HK$2,729/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,698/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,950
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,209
−HK$1,277/mo
Today · 4.125%
HK$49,486
baseline
▲ 0.50% · 4.625%
HK$52,095
+HK$2,609/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,972/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,643
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,218
−HK$1,601/mo
Today · 4.125%
HK$53,819
baseline
▲ 0.50% · 4.625%
HK$57,094
+HK$3,275/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,638/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,340
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,851
−HK$1,533/mo
Today · 4.125%
HK$59,384
baseline
▲ 0.50% · 4.625%
HK$62,514
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,768/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,084
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,921
−HK$1,868/mo
Today · 4.125%
HK$62,789
baseline
▲ 0.50% · 4.625%
HK$66,609
+HK$3,820/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,578/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,730
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,493
−HK$1,788/mo
Today · 4.125%
HK$69,281
baseline
▲ 0.50% · 4.625%
HK$72,933
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,562/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,965
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,328
−HK$2,400/mo
Today · 4.125%
HK$80,728
baseline
▲ 0.50% · 4.625%
HK$85,640
+HK$4,912/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,456/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$694,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,510
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,776
−HK$2,300/mo
Today · 4.125%
HK$89,076
baseline
▲ 0.50% · 4.625%
HK$93,771
+HK$4,695/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,152/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$694,043 · Scale 2, in force from 26 Feb 2026)