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$44,485
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,868
−HK$1,406/mo
Today · 4.125%
HK$47,274
baseline
▲ 0.50% · 4.625%
HK$50,151
+HK$2,877/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,548/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,489
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,816
−HK$1,346/mo
Today · 4.125%
HK$52,162
baseline
▲ 0.50% · 4.625%
HK$54,912
+HK$2,750/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,324/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,382
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,042
−HK$1,687/mo
Today · 4.125%
HK$56,729
baseline
▲ 0.50% · 4.625%
HK$60,181
+HK$3,452/mo
Deposit HK$7.80M · loan HK$11.71M · min. income ≈ HK$113,458/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,386
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,979
−HK$1,616/mo
Today · 4.125%
HK$62,595
baseline
▲ 0.50% · 4.625%
HK$65,894
+HK$3,299/mo
Deposit HK$7.80M · loan HK$11.71M · min. income ≈ HK$125,190/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,278
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,216
−HK$1,968/mo
Today · 4.125%
HK$66,184
baseline
▲ 0.50% · 4.625%
HK$70,211
+HK$4,027/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,368/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,284
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,142
−HK$1,885/mo
Today · 4.125%
HK$73,027
baseline
▲ 0.50% · 4.625%
HK$76,877
+HK$3,850/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,054/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,072
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,563
−HK$2,531/mo
Today · 4.125%
HK$85,094
baseline
▲ 0.50% · 4.625%
HK$90,271
+HK$5,177/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,188/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,080
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,469
−HK$2,423/mo
Today · 4.125%
HK$93,892
baseline
▲ 0.50% · 4.625%
HK$98,842
+HK$4,950/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,784/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,573 · Scale 2, in force from 26 Feb 2026)