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$42,404
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,723
−HK$1,340/mo
Today · 4.125%
HK$45,063
baseline
▲ 0.50% · 4.625%
HK$47,805
+HK$2,742/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,126/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,174
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,439
−HK$1,284/mo
Today · 4.125%
HK$49,723
baseline
▲ 0.50% · 4.625%
HK$52,344
+HK$2,621/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,446/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,885
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,468
−HK$1,608/mo
Today · 4.125%
HK$54,076
baseline
▲ 0.50% · 4.625%
HK$57,366
+HK$3,290/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,152/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,609
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,127
−HK$1,540/mo
Today · 4.125%
HK$59,667
baseline
▲ 0.50% · 4.625%
HK$62,813
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,334/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,366
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,212
−HK$1,877/mo
Today · 4.125%
HK$63,089
baseline
▲ 0.50% · 4.625%
HK$66,927
+HK$3,838/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,178/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,044
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,815
−HK$1,797/mo
Today · 4.125%
HK$69,612
baseline
▲ 0.50% · 4.625%
HK$73,281
+HK$3,669/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,224/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,327
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,702
−HK$2,412/mo
Today · 4.125%
HK$81,114
baseline
▲ 0.50% · 4.625%
HK$86,049
+HK$4,935/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,228/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,914
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,191
−HK$2,310/mo
Today · 4.125%
HK$89,501
baseline
▲ 0.50% · 4.625%
HK$94,219
+HK$4,718/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,002/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,359 · Scale 2, in force from 26 Feb 2026)