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$44,551
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,936
−HK$1,408/mo
Today · 4.125%
HK$47,344
baseline
▲ 0.50% · 4.625%
HK$50,225
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,688/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,562
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,891
−HK$1,349/mo
Today · 4.125%
HK$52,240
baseline
▲ 0.50% · 4.625%
HK$54,993
+HK$2,753/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,480/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,461
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,124
−HK$1,689/mo
Today · 4.125%
HK$56,813
baseline
▲ 0.50% · 4.625%
HK$60,270
+HK$3,457/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$113,626/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,475
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,070
−HK$1,618/mo
Today · 4.125%
HK$62,688
baseline
▲ 0.50% · 4.625%
HK$65,992
+HK$3,304/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$125,376/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,371
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,311
−HK$1,971/mo
Today · 4.125%
HK$66,282
baseline
▲ 0.50% · 4.625%
HK$70,315
+HK$4,033/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,564/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,387
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,248
−HK$1,888/mo
Today · 4.125%
HK$73,136
baseline
▲ 0.50% · 4.625%
HK$76,991
+HK$3,855/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,272/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,191
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,686
−HK$2,534/mo
Today · 4.125%
HK$85,220
baseline
▲ 0.50% · 4.625%
HK$90,405
+HK$5,185/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,440/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,212
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,604
−HK$2,428/mo
Today · 4.125%
HK$94,032
baseline
▲ 0.50% · 4.625%
HK$98,988
+HK$4,956/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$188,064/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,659 · Scale 2, in force from 26 Feb 2026)