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$42,407
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,726
−HK$1,340/mo
Today · 4.125%
HK$45,066
baseline
▲ 0.50% · 4.625%
HK$47,809
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,132/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,178
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,443
−HK$1,283/mo
Today · 4.125%
HK$49,726
baseline
▲ 0.50% · 4.625%
HK$52,348
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,452/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,889
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,471
−HK$1,609/mo
Today · 4.125%
HK$54,080
baseline
▲ 0.50% · 4.625%
HK$57,370
+HK$3,290/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,160/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,613
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,131
−HK$1,541/mo
Today · 4.125%
HK$59,672
baseline
▲ 0.50% · 4.625%
HK$62,817
+HK$3,145/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,344/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,370
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,217
−HK$1,876/mo
Today · 4.125%
HK$63,093
baseline
▲ 0.50% · 4.625%
HK$66,932
+HK$3,839/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,186/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,049
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,820
−HK$1,797/mo
Today · 4.125%
HK$69,617
baseline
▲ 0.50% · 4.625%
HK$73,287
+HK$3,670/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,234/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,333
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,707
−HK$2,413/mo
Today · 4.125%
HK$81,120
baseline
▲ 0.50% · 4.625%
HK$86,056
+HK$4,936/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,240/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,920
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,197
−HK$2,310/mo
Today · 4.125%
HK$89,507
baseline
▲ 0.50% · 4.625%
HK$94,226
+HK$4,719/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,014/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,408 · Scale 2, in force from 26 Feb 2026)