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$42,426
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,746
−HK$1,341/mo
Today · 4.125%
HK$45,087
baseline
▲ 0.50% · 4.625%
HK$47,830
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,174/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,199
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,285/mo
Today · 4.125%
HK$49,749
baseline
▲ 0.50% · 4.625%
HK$52,371
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,498/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,911
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,495
−HK$1,609/mo
Today · 4.125%
HK$54,104
baseline
▲ 0.50% · 4.625%
HK$57,396
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,208/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,638
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,157
−HK$1,541/mo
Today · 4.125%
HK$59,698
baseline
▲ 0.50% · 4.625%
HK$62,845
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,396/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,397
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,244
−HK$1,877/mo
Today · 4.125%
HK$63,121
baseline
▲ 0.50% · 4.625%
HK$66,962
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,242/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,078
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,850
−HK$1,798/mo
Today · 4.125%
HK$69,648
baseline
▲ 0.50% · 4.625%
HK$73,319
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,296/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,367
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,742
−HK$2,414/mo
Today · 4.125%
HK$81,156
baseline
▲ 0.50% · 4.625%
HK$86,094
+HK$4,938/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,312/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,958
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,236
−HK$2,312/mo
Today · 4.125%
HK$89,548
baseline
▲ 0.50% · 4.625%
HK$94,268
+HK$4,720/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,096/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,720 · Scale 2, in force from 26 Feb 2026)