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$42,167
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,479
−HK$1,332/mo
Today · 4.125%
HK$44,811
baseline
▲ 0.50% · 4.625%
HK$47,538
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,622/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,910
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,169
−HK$1,276/mo
Today · 4.125%
HK$49,445
baseline
▲ 0.50% · 4.625%
HK$52,051
+HK$2,606/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,890/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,600
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,174
−HK$1,600/mo
Today · 4.125%
HK$53,774
baseline
▲ 0.50% · 4.625%
HK$57,046
+HK$3,272/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,548/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,293
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,802
−HK$1,532/mo
Today · 4.125%
HK$59,334
baseline
▲ 0.50% · 4.625%
HK$62,461
+HK$3,127/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,668/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,034
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,870
−HK$1,866/mo
Today · 4.125%
HK$62,736
baseline
▲ 0.50% · 4.625%
HK$66,553
+HK$3,817/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,472/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,675
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,436
−HK$1,787/mo
Today · 4.125%
HK$69,223
baseline
▲ 0.50% · 4.625%
HK$72,872
+HK$3,649/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,446/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,901
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,262
−HK$2,398/mo
Today · 4.125%
HK$80,660
baseline
▲ 0.50% · 4.625%
HK$85,568
+HK$4,908/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,320/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,439
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,703
−HK$2,298/mo
Today · 4.125%
HK$89,001
baseline
▲ 0.50% · 4.625%
HK$93,692
+HK$4,691/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$178,002/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,459 · Scale 2, in force from 26 Feb 2026)