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$44,533
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,918
−HK$1,407/mo
Today · 4.125%
HK$47,325
baseline
▲ 0.50% · 4.625%
HK$50,205
+HK$2,880/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,650/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,542
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,871
−HK$1,348/mo
Today · 4.125%
HK$52,219
baseline
▲ 0.50% · 4.625%
HK$54,971
+HK$2,752/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,438/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,439
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,101
−HK$1,689/mo
Today · 4.125%
HK$56,790
baseline
▲ 0.50% · 4.625%
HK$60,246
+HK$3,456/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,580/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,450
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,045
−HK$1,617/mo
Today · 4.125%
HK$62,662
baseline
▲ 0.50% · 4.625%
HK$65,965
+HK$3,303/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,324/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,346
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,285
−HK$1,970/mo
Today · 4.125%
HK$66,255
baseline
▲ 0.50% · 4.625%
HK$70,287
+HK$4,032/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,510/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,359
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,219
−HK$1,887/mo
Today · 4.125%
HK$73,106
baseline
▲ 0.50% · 4.625%
HK$76,960
+HK$3,854/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,212/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,159
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,652
−HK$2,533/mo
Today · 4.125%
HK$85,185
baseline
▲ 0.50% · 4.625%
HK$90,369
+HK$5,184/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,370/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,176
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,567
−HK$2,426/mo
Today · 4.125%
HK$93,993
baseline
▲ 0.50% · 4.625%
HK$98,948
+HK$4,955/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$187,986/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,361 · Scale 2, in force from 26 Feb 2026)