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$43,330
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,677
−HK$1,370/mo
Today · 4.125%
HK$46,047
baseline
▲ 0.50% · 4.625%
HK$48,849
+HK$2,802/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,094/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,204
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,496
−HK$1,312/mo
Today · 4.125%
HK$50,808
baseline
▲ 0.50% · 4.625%
HK$53,486
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,616/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,995
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,613
−HK$1,643/mo
Today · 4.125%
HK$55,256
baseline
▲ 0.50% · 4.625%
HK$58,618
+HK$3,362/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,512/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,844
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,396
−HK$1,574/mo
Today · 4.125%
HK$60,970
baseline
▲ 0.50% · 4.625%
HK$64,183
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,940/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,661
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,548
−HK$1,917/mo
Today · 4.125%
HK$64,465
baseline
▲ 0.50% · 4.625%
HK$68,388
+HK$3,923/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,930/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,485
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,295
−HK$1,836/mo
Today · 4.125%
HK$71,131
baseline
▲ 0.50% · 4.625%
HK$74,881
+HK$3,750/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,262/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,993
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,419
−HK$2,465/mo
Today · 4.125%
HK$82,884
baseline
▲ 0.50% · 4.625%
HK$87,927
+HK$5,043/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,768/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,767
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,094
−HK$2,360/mo
Today · 4.125%
HK$91,454
baseline
▲ 0.50% · 4.625%
HK$96,275
+HK$4,821/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,908/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,577 · Scale 2, in force from 26 Feb 2026)