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$42,410
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,729
−HK$1,341/mo
Today · 4.125%
HK$45,070
baseline
▲ 0.50% · 4.625%
HK$47,812
+HK$2,742/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,140/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,181
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,446
−HK$1,284/mo
Today · 4.125%
HK$49,730
baseline
▲ 0.50% · 4.625%
HK$52,351
+HK$2,621/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,460/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,892
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,475
−HK$1,609/mo
Today · 4.125%
HK$54,084
baseline
▲ 0.50% · 4.625%
HK$57,375
+HK$3,291/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,168/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,617
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,136
−HK$1,540/mo
Today · 4.125%
HK$59,676
baseline
▲ 0.50% · 4.625%
HK$62,822
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,352/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,374
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,221
−HK$1,877/mo
Today · 4.125%
HK$63,098
baseline
▲ 0.50% · 4.625%
HK$66,937
+HK$3,839/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,196/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,053
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,825
−HK$1,797/mo
Today · 4.125%
HK$69,622
baseline
▲ 0.50% · 4.625%
HK$73,292
+HK$3,670/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,244/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,338
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,713
−HK$2,413/mo
Today · 4.125%
HK$81,126
baseline
▲ 0.50% · 4.625%
HK$86,062
+HK$4,936/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,252/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,926
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,203
−HK$2,311/mo
Today · 4.125%
HK$89,514
baseline
▲ 0.50% · 4.625%
HK$94,232
+HK$4,718/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,028/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,459 · Scale 2, in force from 26 Feb 2026)