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$43,329
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,676
−HK$1,370/mo
Today · 4.125%
HK$46,046
baseline
▲ 0.50% · 4.625%
HK$48,847
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,092/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,203
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,495
−HK$1,312/mo
Today · 4.125%
HK$50,807
baseline
▲ 0.50% · 4.625%
HK$53,485
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,614/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,994
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,612
−HK$1,643/mo
Today · 4.125%
HK$55,255
baseline
▲ 0.50% · 4.625%
HK$58,617
+HK$3,362/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,510/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,843
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,394
−HK$1,574/mo
Today · 4.125%
HK$60,968
baseline
▲ 0.50% · 4.625%
HK$64,182
+HK$3,214/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,936/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,660
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,547
−HK$1,917/mo
Today · 4.125%
HK$64,464
baseline
▲ 0.50% · 4.625%
HK$68,386
+HK$3,922/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,928/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,484
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,294
−HK$1,836/mo
Today · 4.125%
HK$71,130
baseline
▲ 0.50% · 4.625%
HK$74,879
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,260/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,991
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,417
−HK$2,465/mo
Today · 4.125%
HK$82,882
baseline
▲ 0.50% · 4.625%
HK$87,925
+HK$5,043/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,764/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,765
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,092
−HK$2,360/mo
Today · 4.125%
HK$91,452
baseline
▲ 0.50% · 4.625%
HK$96,273
+HK$4,821/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,904/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,562 · Scale 2, in force from 26 Feb 2026)