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$44,703
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,094
−HK$1,413/mo
Today · 4.125%
HK$47,507
baseline
▲ 0.50% · 4.625%
HK$50,397
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,014/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,732
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,066
−HK$1,353/mo
Today · 4.125%
HK$52,419
baseline
▲ 0.50% · 4.625%
HK$55,182
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,838/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,644
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,313
−HK$1,695/mo
Today · 4.125%
HK$57,008
baseline
▲ 0.50% · 4.625%
HK$60,477
+HK$3,469/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$114,016/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,679
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,279
−HK$1,624/mo
Today · 4.125%
HK$62,903
baseline
▲ 0.50% · 4.625%
HK$66,218
+HK$3,315/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,806/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,585
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,532
−HK$1,977/mo
Today · 4.125%
HK$66,509
baseline
▲ 0.50% · 4.625%
HK$70,556
+HK$4,047/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$133,018/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,625
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,492
−HK$1,895/mo
Today · 4.125%
HK$73,387
baseline
▲ 0.50% · 4.625%
HK$77,255
+HK$3,868/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,774/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,466
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,969
−HK$2,543/mo
Today · 4.125%
HK$85,512
baseline
▲ 0.50% · 4.625%
HK$90,715
+HK$5,203/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$171,024/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,518
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,919
−HK$2,435/mo
Today · 4.125%
HK$94,354
baseline
▲ 0.50% · 4.625%
HK$99,328
+HK$4,974/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,708/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,171 · Scale 2, in force from 26 Feb 2026)