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$42,185
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,497
−HK$1,333/mo
Today · 4.125%
HK$44,830
baseline
▲ 0.50% · 4.625%
HK$47,558
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,660/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,930
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,188
−HK$1,277/mo
Today · 4.125%
HK$49,465
baseline
▲ 0.50% · 4.625%
HK$52,073
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,930/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,621
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,196
−HK$1,600/mo
Today · 4.125%
HK$53,796
baseline
▲ 0.50% · 4.625%
HK$57,069
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,592/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,316
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,826
−HK$1,532/mo
Today · 4.125%
HK$59,358
baseline
▲ 0.50% · 4.625%
HK$62,487
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,716/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,058
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,895
−HK$1,867/mo
Today · 4.125%
HK$62,762
baseline
▲ 0.50% · 4.625%
HK$66,581
+HK$3,819/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,524/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,702
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,464
−HK$1,787/mo
Today · 4.125%
HK$69,251
baseline
▲ 0.50% · 4.625%
HK$72,902
+HK$3,651/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,502/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,932
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,294
−HK$2,400/mo
Today · 4.125%
HK$80,694
baseline
▲ 0.50% · 4.625%
HK$85,604
+HK$4,910/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,388/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,474
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,739
−HK$2,299/mo
Today · 4.125%
HK$89,038
baseline
▲ 0.50% · 4.625%
HK$93,731
+HK$4,693/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,076/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,747 · Scale 2, in force from 26 Feb 2026)