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$44,530
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,915
−HK$1,407/mo
Today · 4.125%
HK$47,322
baseline
▲ 0.50% · 4.625%
HK$50,202
+HK$2,880/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,644/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,539
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,868
−HK$1,348/mo
Today · 4.125%
HK$52,216
baseline
▲ 0.50% · 4.625%
HK$54,968
+HK$2,752/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,432/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,436
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,098
−HK$1,689/mo
Today · 4.125%
HK$56,787
baseline
▲ 0.50% · 4.625%
HK$60,242
+HK$3,455/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,574/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,447
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,041
−HK$1,618/mo
Today · 4.125%
HK$62,659
baseline
▲ 0.50% · 4.625%
HK$65,961
+HK$3,302/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,318/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,342
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,281
−HK$1,970/mo
Today · 4.125%
HK$66,251
baseline
▲ 0.50% · 4.625%
HK$70,282
+HK$4,031/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,502/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,355
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,215
−HK$1,887/mo
Today · 4.125%
HK$73,102
baseline
▲ 0.50% · 4.625%
HK$76,955
+HK$3,853/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,204/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,154
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,647
−HK$2,533/mo
Today · 4.125%
HK$85,180
baseline
▲ 0.50% · 4.625%
HK$90,363
+HK$5,183/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,360/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,170
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,562
−HK$2,426/mo
Today · 4.125%
HK$93,988
baseline
▲ 0.50% · 4.625%
HK$98,942
+HK$4,954/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$187,976/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,318 · Scale 2, in force from 26 Feb 2026)