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$44,499
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,883
−HK$1,406/mo
Today · 4.125%
HK$47,289
baseline
▲ 0.50% · 4.625%
HK$50,167
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,578/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,504
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,832
−HK$1,347/mo
Today · 4.125%
HK$52,179
baseline
▲ 0.50% · 4.625%
HK$54,929
+HK$2,750/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,358/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,399
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,060
−HK$1,687/mo
Today · 4.125%
HK$56,747
baseline
▲ 0.50% · 4.625%
HK$60,200
+HK$3,453/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,494/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,405
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$60,999
−HK$1,616/mo
Today · 4.125%
HK$62,615
baseline
▲ 0.50% · 4.625%
HK$65,915
+HK$3,300/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,230/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,298
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,236
−HK$1,969/mo
Today · 4.125%
HK$66,205
baseline
▲ 0.50% · 4.625%
HK$70,233
+HK$4,028/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,410/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,306
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,165
−HK$1,886/mo
Today · 4.125%
HK$73,051
baseline
▲ 0.50% · 4.625%
HK$76,901
+HK$3,850/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,102/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,098
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,589
−HK$2,532/mo
Today · 4.125%
HK$85,121
baseline
▲ 0.50% · 4.625%
HK$90,300
+HK$5,179/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,242/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,108
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,498
−HK$2,424/mo
Today · 4.125%
HK$93,922
baseline
▲ 0.50% · 4.625%
HK$98,873
+HK$4,951/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,844/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,806 · Scale 2, in force from 26 Feb 2026)