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$44,697
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,087
−HK$1,413/mo
Today · 4.125%
HK$47,500
baseline
▲ 0.50% · 4.625%
HK$50,390
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,000/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,725
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,058
−HK$1,353/mo
Today · 4.125%
HK$52,411
baseline
▲ 0.50% · 4.625%
HK$55,174
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,822/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,636
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,304
−HK$1,696/mo
Today · 4.125%
HK$57,000
baseline
▲ 0.50% · 4.625%
HK$60,468
+HK$3,468/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$114,000/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,670
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,270
−HK$1,623/mo
Today · 4.125%
HK$62,893
baseline
▲ 0.50% · 4.625%
HK$66,209
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,786/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,575
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,522
−HK$1,977/mo
Today · 4.125%
HK$66,499
baseline
▲ 0.50% · 4.625%
HK$70,546
+HK$4,047/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,998/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,615
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,482
−HK$1,894/mo
Today · 4.125%
HK$73,376
baseline
▲ 0.50% · 4.625%
HK$77,243
+HK$3,867/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,752/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,454
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,957
−HK$2,542/mo
Today · 4.125%
HK$85,499
baseline
▲ 0.50% · 4.625%
HK$90,702
+HK$5,203/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,998/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,504
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,905
−HK$2,435/mo
Today · 4.125%
HK$94,340
baseline
▲ 0.50% · 4.625%
HK$99,313
+HK$4,973/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,680/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,062 · Scale 2, in force from 26 Feb 2026)