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$44,466
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,849
−HK$1,405/mo
Today · 4.125%
HK$47,254
baseline
▲ 0.50% · 4.625%
HK$50,130
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,508/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,468
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,795
−HK$1,346/mo
Today · 4.125%
HK$52,141
baseline
▲ 0.50% · 4.625%
HK$54,889
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,282/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,359
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,019
−HK$1,686/mo
Today · 4.125%
HK$56,705
baseline
▲ 0.50% · 4.625%
HK$60,156
+HK$3,451/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,410/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,362
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,954
−HK$1,615/mo
Today · 4.125%
HK$62,569
baseline
▲ 0.50% · 4.625%
HK$65,867
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,138/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,252
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,189
−HK$1,967/mo
Today · 4.125%
HK$66,156
baseline
▲ 0.50% · 4.625%
HK$70,182
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,312/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,255
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,113
−HK$1,884/mo
Today · 4.125%
HK$72,997
baseline
▲ 0.50% · 4.625%
HK$76,845
+HK$3,848/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,994/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,039
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,528
−HK$2,530/mo
Today · 4.125%
HK$85,058
baseline
▲ 0.50% · 4.625%
HK$90,234
+HK$5,176/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,116/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,042
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,430
−HK$2,423/mo
Today · 4.125%
HK$93,853
baseline
▲ 0.50% · 4.625%
HK$98,800
+HK$4,947/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,706/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,267 · Scale 2, in force from 26 Feb 2026)