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$44,486
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,870
−HK$1,406/mo
Today · 4.125%
HK$47,276
baseline
▲ 0.50% · 4.625%
HK$50,153
+HK$2,877/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,552/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,491
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,818
−HK$1,347/mo
Today · 4.125%
HK$52,165
baseline
▲ 0.50% · 4.625%
HK$54,914
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,330/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,384
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,044
−HK$1,687/mo
Today · 4.125%
HK$56,731
baseline
▲ 0.50% · 4.625%
HK$60,183
+HK$3,452/mo
Deposit HK$7.80M · loan HK$11.71M · min. income ≈ HK$113,462/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,389
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,982
−HK$1,616/mo
Today · 4.125%
HK$62,598
baseline
▲ 0.50% · 4.625%
HK$65,897
+HK$3,299/mo
Deposit HK$7.80M · loan HK$11.71M · min. income ≈ HK$125,196/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,281
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,218
−HK$1,969/mo
Today · 4.125%
HK$66,187
baseline
▲ 0.50% · 4.625%
HK$70,214
+HK$4,027/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,374/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,287
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,145
−HK$1,885/mo
Today · 4.125%
HK$73,030
baseline
▲ 0.50% · 4.625%
HK$76,880
+HK$3,850/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,060/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,076
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,566
−HK$2,531/mo
Today · 4.125%
HK$85,097
baseline
▲ 0.50% · 4.625%
HK$90,275
+HK$5,178/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,194/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,083
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,473
−HK$2,423/mo
Today · 4.125%
HK$93,896
baseline
▲ 0.50% · 4.625%
HK$98,846
+HK$4,950/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,792/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,604 · Scale 2, in force from 26 Feb 2026)