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$44,566
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,952
−HK$1,408/mo
Today · 4.125%
HK$47,360
baseline
▲ 0.50% · 4.625%
HK$50,242
+HK$2,882/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,720/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,579
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,908
−HK$1,349/mo
Today · 4.125%
HK$52,257
baseline
▲ 0.50% · 4.625%
HK$55,012
+HK$2,755/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,514/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,479
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,142
−HK$1,690/mo
Today · 4.125%
HK$56,832
baseline
▲ 0.50% · 4.625%
HK$60,290
+HK$3,458/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,664/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,494
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,090
−HK$1,619/mo
Today · 4.125%
HK$62,709
baseline
▲ 0.50% · 4.625%
HK$66,014
+HK$3,305/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,418/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,392
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,332
−HK$1,972/mo
Today · 4.125%
HK$66,304
baseline
▲ 0.50% · 4.625%
HK$70,339
+HK$4,035/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,608/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,410
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,272
−HK$1,888/mo
Today · 4.125%
HK$73,160
baseline
▲ 0.50% · 4.625%
HK$77,017
+HK$3,857/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,320/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,218
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,713
−HK$2,535/mo
Today · 4.125%
HK$85,248
baseline
▲ 0.50% · 4.625%
HK$90,435
+HK$5,187/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,496/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,242
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,635
−HK$2,428/mo
Today · 4.125%
HK$94,063
baseline
▲ 0.50% · 4.625%
HK$99,021
+HK$4,958/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,126/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,903 · Scale 2, in force from 26 Feb 2026)