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$43,325
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,673
−HK$1,369/mo
Today · 4.125%
HK$46,042
baseline
▲ 0.50% · 4.625%
HK$48,844
+HK$2,802/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,084/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,199
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,492
−HK$1,311/mo
Today · 4.125%
HK$50,803
baseline
▲ 0.50% · 4.625%
HK$53,481
+HK$2,678/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,606/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,990
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,608
−HK$1,643/mo
Today · 4.125%
HK$55,251
baseline
▲ 0.50% · 4.625%
HK$58,612
+HK$3,361/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,502/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,839
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,390
−HK$1,574/mo
Today · 4.125%
HK$60,964
baseline
▲ 0.50% · 4.625%
HK$64,177
+HK$3,213/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,928/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,655
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,542
−HK$1,917/mo
Today · 4.125%
HK$64,459
baseline
▲ 0.50% · 4.625%
HK$68,381
+HK$3,922/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$128,918/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,478
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,288
−HK$1,836/mo
Today · 4.125%
HK$71,124
baseline
▲ 0.50% · 4.625%
HK$74,873
+HK$3,749/mo
Deposit HK$5.70M · loan HK$13.30M · min. income ≈ HK$142,248/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,985
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,411
−HK$2,465/mo
Today · 4.125%
HK$82,876
baseline
▲ 0.50% · 4.625%
HK$87,919
+HK$5,043/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$165,752/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,758
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,085
−HK$2,360/mo
Today · 4.125%
HK$91,445
baseline
▲ 0.50% · 4.625%
HK$96,266
+HK$4,821/mo
Deposit HK$1.90M · loan HK$17.10M · min. income ≈ HK$182,890/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,507 · Scale 2, in force from 26 Feb 2026)