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$41,033
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,309
−HK$1,297/mo
Today · 4.125%
HK$43,606
baseline
▲ 0.50% · 4.625%
HK$46,259
+HK$2,653/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,212/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,648
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,873
−HK$1,242/mo
Today · 4.125%
HK$48,115
baseline
▲ 0.50% · 4.625%
HK$50,651
+HK$2,536/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,230/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,239
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,771
−HK$1,556/mo
Today · 4.125%
HK$52,327
baseline
▲ 0.50% · 4.625%
HK$55,511
+HK$3,184/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$104,654/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,778
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,247
−HK$1,490/mo
Today · 4.125%
HK$57,737
baseline
▲ 0.50% · 4.625%
HK$60,781
+HK$3,044/mo
Deposit HK$7.20M · loan HK$10.80M · min. income ≈ HK$115,474/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,446
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,232
−HK$1,816/mo
Today · 4.125%
HK$61,048
baseline
▲ 0.50% · 4.625%
HK$64,763
+HK$3,715/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$122,096/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,908
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,622
−HK$1,738/mo
Today · 4.125%
HK$67,360
baseline
▲ 0.50% · 4.625%
HK$70,911
+HK$3,551/mo
Deposit HK$5.40M · loan HK$12.60M · min. income ≈ HK$134,720/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,859
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,156
−HK$2,334/mo
Today · 4.125%
HK$78,490
baseline
▲ 0.50% · 4.625%
HK$83,266
+HK$4,776/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$156,980/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,167
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,371
−HK$2,235/mo
Today · 4.125%
HK$86,606
baseline
▲ 0.50% · 4.625%
HK$91,171
+HK$4,565/mo
Deposit HK$1.80M · loan HK$16.20M · min. income ≈ HK$173,212/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,802 · Scale 2, in force from 26 Feb 2026)