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$44,485
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,869
−HK$1,406/mo
Today · 4.125%
HK$47,275
baseline
▲ 0.50% · 4.625%
HK$50,152
+HK$2,877/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,550/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,490
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,817
−HK$1,346/mo
Today · 4.125%
HK$52,163
baseline
▲ 0.50% · 4.625%
HK$54,913
+HK$2,750/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,326/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,383
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,043
−HK$1,687/mo
Today · 4.125%
HK$56,730
baseline
▲ 0.50% · 4.625%
HK$60,182
+HK$3,452/mo
Deposit HK$7.80M · loan HK$11.71M · min. income ≈ HK$113,460/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,388
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,980
−HK$1,616/mo
Today · 4.125%
HK$62,596
baseline
▲ 0.50% · 4.625%
HK$65,896
+HK$3,300/mo
Deposit HK$7.80M · loan HK$11.71M · min. income ≈ HK$125,192/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,280
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,217
−HK$1,968/mo
Today · 4.125%
HK$66,185
baseline
▲ 0.50% · 4.625%
HK$70,212
+HK$4,027/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,370/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,285
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,144
−HK$1,885/mo
Today · 4.125%
HK$73,029
baseline
▲ 0.50% · 4.625%
HK$76,878
+HK$3,849/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,058/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,074
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,565
−HK$2,530/mo
Today · 4.125%
HK$85,095
baseline
▲ 0.50% · 4.625%
HK$90,273
+HK$5,178/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,190/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,081
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,470
−HK$2,424/mo
Today · 4.125%
HK$93,894
baseline
▲ 0.50% · 4.625%
HK$98,843
+HK$4,949/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,788/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,587 · Scale 2, in force from 26 Feb 2026)