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$44,477
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,860
−HK$1,406/mo
Today · 4.125%
HK$47,266
baseline
▲ 0.50% · 4.625%
HK$50,142
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,532/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,480
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,807
−HK$1,346/mo
Today · 4.125%
HK$52,153
baseline
▲ 0.50% · 4.625%
HK$54,902
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,306/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,372
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,032
−HK$1,687/mo
Today · 4.125%
HK$56,719
baseline
▲ 0.50% · 4.625%
HK$60,170
+HK$3,451/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,438/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,376
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,968
−HK$1,616/mo
Today · 4.125%
HK$62,584
baseline
▲ 0.50% · 4.625%
HK$65,882
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,168/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,267
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,204
−HK$1,968/mo
Today · 4.125%
HK$66,172
baseline
▲ 0.50% · 4.625%
HK$70,198
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,344/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,272
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,129
−HK$1,885/mo
Today · 4.125%
HK$73,014
baseline
▲ 0.50% · 4.625%
HK$76,863
+HK$3,849/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$146,028/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,058
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,548
−HK$2,530/mo
Today · 4.125%
HK$85,078
baseline
▲ 0.50% · 4.625%
HK$90,255
+HK$5,177/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,156/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,064
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,452
−HK$2,423/mo
Today · 4.125%
HK$93,875
baseline
▲ 0.50% · 4.625%
HK$98,824
+HK$4,949/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,750/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,441 · Scale 2, in force from 26 Feb 2026)