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$44,713
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,103
−HK$1,413/mo
Today · 4.125%
HK$47,516
baseline
▲ 0.50% · 4.625%
HK$50,408
+HK$2,892/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,032/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,742
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,076
−HK$1,354/mo
Today · 4.125%
HK$52,430
baseline
▲ 0.50% · 4.625%
HK$55,193
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,860/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,655
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,324
−HK$1,696/mo
Today · 4.125%
HK$57,020
baseline
▲ 0.50% · 4.625%
HK$60,489
+HK$3,469/mo
Deposit HK$7.84M · loan HK$11.77M · min. income ≈ HK$114,040/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,691
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,292
−HK$1,624/mo
Today · 4.125%
HK$62,916
baseline
▲ 0.50% · 4.625%
HK$66,232
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.77M · min. income ≈ HK$125,832/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,598
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,545
−HK$1,978/mo
Today · 4.125%
HK$66,523
baseline
▲ 0.50% · 4.625%
HK$70,571
+HK$4,048/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,046/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,639
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,507
−HK$1,895/mo
Today · 4.125%
HK$73,402
baseline
▲ 0.50% · 4.625%
HK$77,271
+HK$3,869/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,804/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,483
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,986
−HK$2,544/mo
Today · 4.125%
HK$85,530
baseline
▲ 0.50% · 4.625%
HK$90,734
+HK$5,204/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,060/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,536
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,937
−HK$2,437/mo
Today · 4.125%
HK$94,374
baseline
▲ 0.50% · 4.625%
HK$99,348
+HK$4,974/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,748/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,322 · Scale 2, in force from 26 Feb 2026)