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$44,559
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,945
−HK$1,408/mo
Today · 4.125%
HK$47,353
baseline
▲ 0.50% · 4.625%
HK$50,234
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,706/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,571
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,901
−HK$1,348/mo
Today · 4.125%
HK$52,249
baseline
▲ 0.50% · 4.625%
HK$55,004
+HK$2,755/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,498/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,471
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,134
−HK$1,690/mo
Today · 4.125%
HK$56,824
baseline
▲ 0.50% · 4.625%
HK$60,281
+HK$3,457/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$113,648/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,485
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,081
−HK$1,618/mo
Today · 4.125%
HK$62,699
baseline
▲ 0.50% · 4.625%
HK$66,004
+HK$3,305/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$125,398/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,382
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,323
−HK$1,971/mo
Today · 4.125%
HK$66,294
baseline
▲ 0.50% · 4.625%
HK$70,328
+HK$4,034/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,588/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,400
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,261
−HK$1,888/mo
Today · 4.125%
HK$73,149
baseline
▲ 0.50% · 4.625%
HK$77,005
+HK$3,856/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,298/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,206
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,701
−HK$2,534/mo
Today · 4.125%
HK$85,235
baseline
▲ 0.50% · 4.625%
HK$90,422
+HK$5,187/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,470/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,228
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,621
−HK$2,428/mo
Today · 4.125%
HK$94,049
baseline
▲ 0.50% · 4.625%
HK$99,006
+HK$4,957/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,098/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,793 · Scale 2, in force from 26 Feb 2026)