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$42,431
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,751
−HK$1,341/mo
Today · 4.125%
HK$45,092
baseline
▲ 0.50% · 4.625%
HK$47,835
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,184/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,204
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,470
−HK$1,284/mo
Today · 4.125%
HK$49,754
baseline
▲ 0.50% · 4.625%
HK$52,377
+HK$2,623/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,508/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,917
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,501
−HK$1,609/mo
Today · 4.125%
HK$54,110
baseline
▲ 0.50% · 4.625%
HK$57,402
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,220/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,645
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,164
−HK$1,541/mo
Today · 4.125%
HK$59,705
baseline
▲ 0.50% · 4.625%
HK$62,852
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,410/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,403
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,251
−HK$1,877/mo
Today · 4.125%
HK$63,128
baseline
▲ 0.50% · 4.625%
HK$66,969
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,256/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,085
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,858
−HK$1,798/mo
Today · 4.125%
HK$69,656
baseline
▲ 0.50% · 4.625%
HK$73,327
+HK$3,671/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,312/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,375
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,751
−HK$2,414/mo
Today · 4.125%
HK$81,165
baseline
▲ 0.50% · 4.625%
HK$86,103
+HK$4,938/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,330/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,967
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,246
−HK$2,311/mo
Today · 4.125%
HK$89,557
baseline
▲ 0.50% · 4.625%
HK$94,278
+HK$4,721/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,114/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,796 · Scale 2, in force from 26 Feb 2026)