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$43,312
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,659
−HK$1,369/mo
Today · 4.125%
HK$46,028
baseline
▲ 0.50% · 4.625%
HK$48,829
+HK$2,801/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,056/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,184
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,476
−HK$1,311/mo
Today · 4.125%
HK$50,787
baseline
▲ 0.50% · 4.625%
HK$53,465
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,574/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,974
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,591
−HK$1,643/mo
Today · 4.125%
HK$55,234
baseline
▲ 0.50% · 4.625%
HK$58,595
+HK$3,361/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,468/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,821
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,372
−HK$1,573/mo
Today · 4.125%
HK$60,945
baseline
▲ 0.50% · 4.625%
HK$64,157
+HK$3,212/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,890/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,637
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,523
−HK$1,916/mo
Today · 4.125%
HK$64,439
baseline
▲ 0.50% · 4.625%
HK$68,360
+HK$3,921/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,878/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,458
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,267
−HK$1,835/mo
Today · 4.125%
HK$71,102
baseline
▲ 0.50% · 4.625%
HK$74,850
+HK$3,748/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,204/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,962
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,387
−HK$2,464/mo
Today · 4.125%
HK$82,851
baseline
▲ 0.50% · 4.625%
HK$87,892
+HK$5,041/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,702/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,732
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,058
−HK$2,359/mo
Today · 4.125%
HK$91,417
baseline
▲ 0.50% · 4.625%
HK$96,236
+HK$4,819/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,834/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,289 · Scale 2, in force from 26 Feb 2026)