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$42,201
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,514
−HK$1,334/mo
Today · 4.125%
HK$44,848
baseline
▲ 0.50% · 4.625%
HK$47,577
+HK$2,729/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,696/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,948
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,208
−HK$1,277/mo
Today · 4.125%
HK$49,485
baseline
▲ 0.50% · 4.625%
HK$52,093
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,970/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,642
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,217
−HK$1,600/mo
Today · 4.125%
HK$53,817
baseline
▲ 0.50% · 4.625%
HK$57,092
+HK$3,275/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,634/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,338
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,849
−HK$1,533/mo
Today · 4.125%
HK$59,382
baseline
▲ 0.50% · 4.625%
HK$62,512
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,764/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,082
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,920
−HK$1,867/mo
Today · 4.125%
HK$62,787
baseline
▲ 0.50% · 4.625%
HK$66,607
+HK$3,820/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,574/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,728
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,491
−HK$1,788/mo
Today · 4.125%
HK$69,279
baseline
▲ 0.50% · 4.625%
HK$72,931
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,558/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,962
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,325
−HK$2,401/mo
Today · 4.125%
HK$80,726
baseline
▲ 0.50% · 4.625%
HK$85,638
+HK$4,912/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,452/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$694,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,507
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,774
−HK$2,299/mo
Today · 4.125%
HK$89,073
baseline
▲ 0.50% · 4.625%
HK$93,768
+HK$4,695/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,146/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$694,022 · Scale 2, in force from 26 Feb 2026)