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$41,066
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,343
−HK$1,298/mo
Today · 4.125%
HK$43,641
baseline
▲ 0.50% · 4.625%
HK$46,296
+HK$2,655/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,282/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,685
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,910
−HK$1,243/mo
Today · 4.125%
HK$48,153
baseline
▲ 0.50% · 4.625%
HK$50,692
+HK$2,539/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,306/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,279
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,812
−HK$1,557/mo
Today · 4.125%
HK$52,369
baseline
▲ 0.50% · 4.625%
HK$55,556
+HK$3,187/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,738/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,822
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,292
−HK$1,492/mo
Today · 4.125%
HK$57,784
baseline
▲ 0.50% · 4.625%
HK$60,830
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,568/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,492
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,280
−HK$1,817/mo
Today · 4.125%
HK$61,097
baseline
▲ 0.50% · 4.625%
HK$64,815
+HK$3,718/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,194/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,959
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,675
−HK$1,740/mo
Today · 4.125%
HK$67,415
baseline
▲ 0.50% · 4.625%
HK$70,968
+HK$3,553/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,830/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,918
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,218
−HK$2,336/mo
Today · 4.125%
HK$78,554
baseline
▲ 0.50% · 4.625%
HK$83,333
+HK$4,779/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,108/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,233
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,439
−HK$2,237/mo
Today · 4.125%
HK$86,676
baseline
▲ 0.50% · 4.625%
HK$91,245
+HK$4,569/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,352/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,347 · Scale 2, in force from 26 Feb 2026)