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$44,563
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,950
−HK$1,408/mo
Today · 4.125%
HK$47,358
baseline
▲ 0.50% · 4.625%
HK$50,240
+HK$2,882/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,716/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,576
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,906
−HK$1,349/mo
Today · 4.125%
HK$52,255
baseline
▲ 0.50% · 4.625%
HK$55,009
+HK$2,754/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,510/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,476
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,139
−HK$1,691/mo
Today · 4.125%
HK$56,830
baseline
▲ 0.50% · 4.625%
HK$60,287
+HK$3,457/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,660/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,492
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,087
−HK$1,619/mo
Today · 4.125%
HK$62,706
baseline
▲ 0.50% · 4.625%
HK$66,011
+HK$3,305/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,412/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,389
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,329
−HK$1,972/mo
Today · 4.125%
HK$66,301
baseline
▲ 0.50% · 4.625%
HK$70,335
+HK$4,034/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,602/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,407
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,268
−HK$1,889/mo
Today · 4.125%
HK$73,157
baseline
▲ 0.50% · 4.625%
HK$77,013
+HK$3,856/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,314/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,214
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,709
−HK$2,535/mo
Today · 4.125%
HK$85,244
baseline
▲ 0.50% · 4.625%
HK$90,431
+HK$5,187/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,488/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,237
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,631
−HK$2,428/mo
Today · 4.125%
HK$94,059
baseline
▲ 0.50% · 4.625%
HK$99,017
+HK$4,958/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,118/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,869 · Scale 2, in force from 26 Feb 2026)